<![CDATA[This study aims to examine the effect of financial literacy and digital payment systems on financial management behavior, with financial inclusion as a mediating variable, among digital payment users in South Kalimantan. The research employs a quantitative approach with an explanatory research design. A sample of 100 respondents was selected using purposive sampling. Data were collected through an online questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results show that financial literacy and digital payment systems have a positive and significant effect on financial inclusion. Financial inclusion also has a positive and significant effect on financial management behavior. However, financial literacy and digital payment systems do not have a direct significant effect on financial management behavior. Financial inclusion does not mediate the relationship between financial literacy and financial management behavior, but acts as a full mediator in the relationship between digital payment systems and financial management behavior. These findings confirm that digital payment systems influence financial management behavior through increased access to and utilization of formal financial services. Practical implications are directed to Bank Indonesia, the Financial Services Authority (OJK), and the Regional Financial Access Acceleration Team (TPKAD) of South Kalimantan to integrate digital financial literacy education with the expansion of financial inclusion.]]>
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