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Hadi Ismanto
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Start-up and Financial Technology
Published by Generate Digital Publishing
ISSN : -     EISSN : 3090661X     DOI : 10.70764/gdpu-sft
Core Subject : Economy, Science, Social, Engineering,
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences
SFT: Start-ups and Financial Technology provide a venue for high-quality manuscripts dealing with economics, finance, management, entrepreneurship and start-up models, and financial technology in the broadest sense. The editorial board encourages manuscripts that are international in scope, and articles that are perceptive, evidence-based, and have policy impact. However, readers can also find papers that investigate issues with global relevance. SFT is published by the Publishing Company "Generate Digital Publishing". SFT is an open-access journal which means that all content is freely available at no cost to the user or the institution. The scope includes empirical and theoretical articles related to all aspects of financial technology, innovation, and entrepreneurship in a spatial context over time, considering the dynamics of entrepreneurship in a global context, and evaluating the effects and implications of innovation and entrepreneurship in a transdisciplinary context considering historical evolution.
Arjuna Subject : Umum - Umum
Articles 2 Documents
 1 
Search results for , issue "vol. 2 no. 2 (2026)" : 2 Documents clear
Fintech Lifestyle and Financial Behavior: When Knowledge Meets Social Influence Nofa Auliatul Faiza
Start-up and Financial Technology Vol. 2 No. 2 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(2)-01

Abstract

Objective: This study aims to analyze the influence of social influence and financial knowledge on fintech adoption, as well as to examine the moderating role of financial management behavior in strengthening or weakening this relationship among university students. Research Design & Methods: This study employs a quantitative approach using a survey method with university students as respondents. The data analysis technique utilized is Partial Least Squares-based Structural Equation Modeling (PLS-SEM) to examine both direct relationships and moderation effects among the variables in the research model.Findings: The research results indicate that social influence and financial knowledge have a positive and significant effect on fintech adoption. Meanwhile, financial management behavior does not directly affect fintech adoption but is proven to act as a significant moderating variable. Specifically, financial management behavior moderates the relationship between social influence and fintech adoption, as well as between financial knowledge and fintech adoption. An R-square value of 0.714 indicates that the model possesses strong explanatory power.Implications & Recommendations: Increased fintech adoption depends not only on financial literacy but also on the development of sound financial management behaviors. Therefore, it is recommended that the government, educational institutions, and fintech service providers integrate financial literacy education with the reinforcement of financial behaviors and leverage social influence as a strategy to boost adoption. Contribution & Value Added: This study contributes to the literature by integrating social, cognitive, and behavioral factors into a comprehensive model. Furthermore, it adds to the empirical evidence regarding the role of financial management behavior as a moderating variable in the context of fintech adoption, particularly among university students.
Financial Literacy, Financial Efficacy, Locus of Control, And Financial Behavior as Determinants of Students Investment Decisions in Yogyakarta Ramadhan Edyastriputra; Lina Nur Hidayati
Start-up and Financial Technology Vol. 2 No. 2 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(2)-02

Abstract

Objective: This study examines the influence of financial literacy, financial self-efficacy, locus of control, and financial behavior on investment decisions among university students in Yogyakarta.Research Design & Methods: A quantitative research design was employed, involving 100 university students in Yogyakarta. Data were collected using a structured questionnaire that had undergone validity and reliability testing. Multiple linear regression was used to examine the partial effects of the independent variables on investment decisions.Findings: Empirical findings indicate that financial literacy, financial efficacy, locus of control, and financial behavior all have a positive and significant influence on investment decisions among university students. Among these factors, financial behavior exerts the strongest influence, highlighting the crucial role of responsible financial practices in shaping students' investment decisions.Implications: These findings indicate that universities, policymakers, and financial institutions must develop integrated financial education programs that strengthen not only financial knowledge but also financial confidence, personal control, and responsible financial behavior. Students need to enhance their investment knowledge and develop disciplined financial practices to support sound investment decisions.Contribution & Value Added: This study contributes to the investment decision-making literature by integrating cognitive, psychological, and behavioral determinants into a single framework. The findings specifically highlight the crucial role of financial behavior in shaping students' investment decisions and offer practical insights for designing more comprehensive financial education programs for young investors.

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