<![CDATA[The advancement of digital technology has driven significant changes in students' financial behavior, particularly through the ease of access to financial services such as mobile banking, digital wallets, and buy-now-pay-later features. This study aims to analyze the influence of financial literacy and lifestyle on the financial behavior of students at Universitas Palangka Raya, with self-control as a moderating variable. Samples were drawn from the active student population using purposive sampling based on the Slovin formula. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS. The results indicate that financial literacy has a significant positive effect on students' financial behavior, as does lifestyle. Self-control also demonstrated a significant positive effect on financial behavior. However, self-control was not proven to moderate the effect of either financial literacy or lifestyle on financial behavior. The model demonstrates a moderately strong ability to explain the variation in students' financial behavior. This study underscores the importance of enhancing financial literacy and strengthening self-control as key strategies for fostering healthy financial behavior among students in the digital era.]]>
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