The Effect of Financial Technology, Financial Literacy, Economic Conditions, and Student Income on the Financial Behavior of Accounting Students

Ade Hermansyah (Universitas Adiwangsa Jambi, Indonesia)
Julianti Efris Saputri (Universitas Adiwangsa Jambi, Indonesia)
Liona Efrina (Universitas Adiwangsa Jambi, Indonesia)

International Journal of Economics, Business and Innovation Research
Vol. 5 No. 05 (2026): International Journal of Economics, Business and Innovation Research( IJEBIR)

This study examines the effect of financial technology, financial literacy, economic conditions, and student income on the financial behavior of accounting students. A quantitative approach was employed using 71 respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression. The results indicate that partially economic conditions and student income significantly affect financial behavior, while financial literacy and financial technology do not. Simultaneously, all variables do not significantly affect financial behavior. The coefficient of determination of 7.5 percent indicates that many other factors outside the model influence students' financial behavior.