The Effect of Financial Technology and Digital Lifestyle on Saving Behavior: The Role of Financial Motivation

Mondra Neldi (Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia)
Imran Yahya (Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia)
Dodi Suryadi (Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia)

Dinasti International Journal of Education Management and Social Science
Vol. 7 No. 5 (2026): Dinasti International Journal of Education Management and Social Science (June

This study examines the effects of financial technology (fintech) and digital lifestyle on saving behavior among residents of Padang City, with financial motivation as a mediating variable. Primary data were collected from 100 respondents and analyzed using PLS-SEM. Fintech positively affects financial motivation (β=0.594; p<0.001) and saving behavior (β=0.284; p=0.012). Digital lifestyle positively affects financial motivation (β=0.362; p<0.001) but has no direct effect on saving behavior (β=-0.015; p=0.845). Financial motivation strongly predicts saving behavior (β=0.670; p<0.001) and mediates the effects of fintech and digital lifestyle. The model explains 80.9% of financial motivation and 83.8% of saving behavior variance.