<![CDATA[Student financial management has become crucial amidst the increasing use of digital financial services, which can facilitate transactions while increasing the risk of unplanned expenses. This study aims to analyze the influence of financial literacy, financial planning, and fintech payments on the financial management of students at the Faculty of Economics and Business, Slamet Riyadi University, Surakarta. This study used a quantitative approach with a survey method. The study population consisted of 905 students from the 2024 and 2025 intakes, with a sample of 100 respondents selected using proportionate stratified random sampling. The research instrument was a Likert scale questionnaire with a score of 1 to 5. Data were analyzed using descriptive analysis and multiple linear regression after testing for validity, reliability, and classical assumptions. The results showed that financial literacy significantly influenced financial management with a coefficient of 0.190 and a significance level of 0.037. Financial planning significantly influenced with a coefficient of 0.312 and a significance level of 0.000, while fintech payments significantly influenced with a coefficient of 0.171 and a significance level of 0.021. Simultaneously, all three variables had a significant effect with F = 25.173 and Adjusted R² = 0.423. In conclusion, financial planning is the most powerful factor in improving student financial management, so strengthening planning skills and wisely utilizing digital financial services is necessary]]>
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