<![CDATA[This study aims to analyze the influence of fintech payment, financial inclusion, parental income, and social environment on financial management behavior of students at Islamic universities in Pekanbaru City. The background of this study is based on the rapid growth of fintech use among generation Z, changes in digital financial transaction patterns, and the importance of personal financial management for students. The study used a quantitative method by distributing questionnaires to 100 respondents selected through purposive sampling techniques. Data were analyzed using multiple linear regression with the help of SPSS software. The results of the study showed that partially fintech payment, financial inclusion, parental income, and social environment had a significant effect on financial management behavior of students. Simultaneously, the four independent variables also had a significant effect on financial management behavior of students. These findings indicate that ease of access to digital finance, level of financial inclusion, parental income, and the influence of the social environment play an important role in shaping students' financial management behavior. Therefore, efforts are needed to improve financial literacy and students' awareness in managing finances wisely in order to support financial well-being in the future..]]>
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