<![CDATA[The rapid development of Financial Technology (fintech) has transformed the way students access and utilize digital financial services, thereby increasing the importance of financial inclusion among the younger generation. This study aims to analyze the influence of Financial Technology and financial literacy on financial inclusion with locus of control as a moderating variable among students from the 2023 cohort. This study employed a quantitative approach involving 303 respondents. The data were analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method. The results indicate that Financial Technology and financial literacy have a positive and significant effect on financial inclusion. In addition, locus of control was proven to moderate the relationship between Financial Technology and financial literacy on financial inclusion. These findings suggest that financial inclusion is influenced not only by technological development and financial knowledge, but also by individuals' ability to control and manage their financial behavior]]>
Copyrights © 2026
