<![CDATA[Penelitian ini bertujuan menguji pengaruh literasi keuangan, kontrol diri, dan penggunaan digital payment terhadap kesejahteraan finansial dosen di era cashless society. Sampel penelitian sebanyak 51 dosen Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Metode analisis menggunakan regresi linear berganda dengan SPSS. Hasil penelitian menunjukkan literasi keuangan dan penggunaan digital payment berpengaruh positif dan signifikan secara parsial, sedangkan kontrol diri berpengaruh positif tidak signifikan. Secara simultan ketiga variabel berpengaruh signifikan terhadap kesejahteraan finansial. Kontribusi penelitian memperkaya literatur financial well-being dengan memasukkan variabel digital payment. Novelty penelitian adalah pengujian pada dosen sebagai subjek dan konteks era digital di perguruan tinggi Indonesia. This study aims to examine the influence of financial literacy, self-control, and digital payment usage on the financial well-being of lecturers in a cashless society. The sample consisted of 51 lecturers from the Faculty of Economics and Business at the University of Muhammadiyah North Sumatra. Multiple linear regression analysis was performed using SPSS 26. The results indicate that financial literacy and digital payment usage have a positive and significant partial effect, whereas self-control has a positive but insignificant effect. Simultaneously, the three variables significantly influence financial well-being. This study contributes to the financial well-being literature by incorporating the digital payment variable. Its novelty lies in focusing on lecturers as subjects within the context of the digital era in Indonesian higher education. ]]>
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