cover
Contact Name
Hadi Ismanto
Contact Email
hadifeb@unisnu.ac.id
Phone
+6282226962023
Journal Mail Official
generatesftjournal@gmail.com
Editorial Address
Troso Village, Pecangaan District, Jepara Regency, Central Java, Indonesia, 59462
Location
Kab. jepara,
Jawa tengah
INDONESIA
Start-up and Financial Technology
ISSN : -     EISSN : 3090661X     DOI : 10.70764/gdpu-sft
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 1 Documents
Search results for , issue "vol. 2 no. 2 (2026)" : 1 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.

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