<![CDATA[The rapid development of Financial Technology has transformed the way university students conduct financial transactions and manage their personal finances. However, the ease of access to financial services does not necessarily lead to sound financial management behavior, as it is also influenced by lifestyle and financial literacy. This study aims to examine the effects of Financial Technology and lifestyle on the financial management behavior of university students in Semarang City and to investigate the moderating role of financial literacy. This research employed a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to 100 active university students who use Financial Technology, selected using a purposive sampling technique. The data were analyzed using Moderated Regression Analysis (MRA) with IBM SPSS Statistics version 26 after passing validity, reliability, and classical assumption tests. The findings indicate that Financial Technology, lifestyle, and financial literacy have positive and significant effects on students' financial management behavior. Furthermore, financial literacy significantly moderates the relationships between Financial Technology and financial management behavior, as well as between lifestyle and financial management behavior, by weakening the effects of both independent variables. The research model explains 86.8% of the variance in students' financial management behavior. These findings imply that improving financial literacy is essential to fostering more rational financial management behavior, enabling students to utilize financial technology wisely while minimizing the influence of lifestyle on financial decision-making.]]>
Copyrights © 2026
