Digital Transformation In Finance: The Impact Of Digital Financial Literacy On Financial Well-Being Through Customer Financial Behavior

Sumiati (Politeknik Negeri Bandung)
Siti Maryam (Politeknik Negeri Bandung)

Indonesian Journal of Economics and Management
Vol. 6 No. 2 (2026): Indonesian Journal of Economics and Management (March 2026)

Financial well-being can be achieved through various factors, including having good financial literacy and efficient financial behavior. This study aims to analyze the effect of financial literacy on financial well-being both directly and through financial behavior as a mediating variable. This research uses a quantitative approach with a survey method, where data is collected through questionnaires distributed to 50 respondents in Greater Bandung. The data analysis technique used is Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results show that financial literacy has no direct effect on financial well-being. Meanwhile, financial behavior is proven to have a positive and significant effect on financial well-being. Then, financial literacy through financial behavior has a positive and significant effect on financial well-being.