<![CDATA[This study aims to analyze the effect of digital financial application usage and digital financial literacy on personal financial management behavior among university students in the digital era. The development of digital technology provides students with convenience in carrying out various financial activities, such as payment transactions, fund transfers, saving, and the use of various digital financial services. However, this convenience needs to be accompanied by the ability to manage finances wisely in order to avoid consumptive behavior and unplanned expenditures. This study uses a quantitative approach with a sample of 100 respondents. The sampling technique used was non-probability sampling with purposive sampling. The data were collected through questionnaires distributed to university students who met the research criteria. Data analysis was conducted using multiple linear regression with the assistance of SPSS, including validity tests, reliability tests, classical assumption tests, t-test, F-test, and coefficient of determination. The results show that digital financial application usage and digital financial literacy simultaneously have a significant effect on students' personal financial management behavior, with an F-value of 6.636 and a significance level of 0.002. Partially, digital financial application usage does not have a significant effect on students' personal financial management behavior, with a t-value of 1.850 and a significance level of 0.067. Similarly, digital financial literacy does not have a significant effect on students' personal financial management behavior, with a t-value of 1.681 and a significance level of 0.096.]]>
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