<![CDATA[The development of digital technology in Indonesia's financial sector has shown rapid growth in recent years. This development has led to the emergence of various technology-based financial service innovations that facilitate fast, practical, and efficient transactions.The purpose of this study was to determine the effect of financial knowledge and lifestyle on the financial management behavior of PayLater users at the Faculty of Economics at a State University in Malang City. This study used a quantitative type, with a population of 12,713 students, using proportional sampling. The sample used was 400 students. Data analysis used SEMPLS. The results of this study indicate that financial knowledge has an effect on financial management behavior, lifestyle has no effect on financial management behavior, locus of control cannot moderate financial knowledge, and locus of control can moderate lifestyle on financial management behavior.]]>
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