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The Influence of Financial Technology (Fintech) and Financial Literacy on the Financial Behavior of Economics Education Students

Journal of Innovation in Educational and Cultural Research · Vol. 8 No. 1 (2026) · hlm. 71–78

DOI
10.46843/jiecr.v8i1.3187
ISSN
2722-9696, 2722-9688
Terbit
2026-10-19
Penerbit
Yayasan Keluarga Guru Mandiri
Bahasa
eng

Abstrak

The development of fintech has changed people's financial transaction patterns, including among students. This condition requires adequate financial literacy skills so that financial behavior can be managed wisely and responsibly. This study aims to determine the effect of fintech and financial literacy on the financial behavior of Economics Education students. This study uses a quantitative, descriptive research approach. The population consisted of 240 Economics Education students from the 2022–2024 intake. This study used proportionate stratified random sampling, with a sample of 71 students obtained using the Slovin formula. Data collection methods included library research and field research. The study used classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that fintech did not affect students' financial behavior. Financial literacy significantly influences students' financial behavior. There is a significant influence of fintech and financial literacy on students' financial behavior, while the rest is influenced by other variables outside the study.

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21 penulis · 59 tautan kepenulisan bersama · 5 lintas organisasi

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  • Universitas Halu Oleo
  • Lambung Mangkurat University
  • Muhammadiyah University of Makassar
  • Muhammadiyah University of Surakarta
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
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Rekan penulisOrganisasiArtikel bersama
La Ode Sidu MarafadUniversitas Halu Oleo1
Asrun LioUniversitas Halu Oleo1
Syamsia SyamsiaMuhammadiyah University of Makassar1
Juliani IbrahimAfiliasi tidak diketahui1
Alfi Syahril FjAfiliasi tidak diketahui1
Yeyen ServiaAfiliasi tidak diketahui1
AmrusiAfiliasi tidak diketahui1
MusfianaAfiliasi tidak diketahui1
Asmaul HusnaAfiliasi tidak diketahui1
Reza RezaUniversitas Halu Oleo1
Muhammad RahmattullahAfiliasi tidak diketahui1
Rochman Hadi MustofaMuhammadiyah University of Surakarta1
Ananda SetiawanLambung Mangkurat University1
Dwi AtmonoLambung Mangkurat University1
Diaz Aziz PramuditaAfiliasi tidak diketahui1
Titik UlfatunAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://jiecr.org/index.php/jiecr/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">The Influence of Financial Technology (Fintech) and Financial Literacy on the Financial Behavior of Economics Education Students</dc:title>
	<dc:creator>Izzaty, Fathia</dc:creator>
	<dc:creator>Ali Basyah, Nazaruddin</dc:creator>
	<dc:creator>Mustofa, Achmad</dc:creator>
	<dc:creator>Rusli, Zulfadhli</dc:creator>
	<dc:creator>Akbar, Aidil</dc:creator>
	<dc:subject xml:lang="en-US">Financial Technology; Financial Literacy; Financial Behavior</dc:subject>
	<dc:description xml:lang="en-US">The development of fintech has changed people's financial transaction patterns, including among students. This condition requires adequate financial literacy skills so that financial behavior can be managed wisely and responsibly. This study aims to determine the effect of fintech and financial literacy on the financial behavior of Economics Education students. This study uses a quantitative, descriptive research approach. The population consisted of 240 Economics Education students from the 2022–2024 intake. This study used proportionate stratified random sampling, with a sample of 71 students obtained using the Slovin formula. Data collection methods included library research and field research. The study used classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that fintech did not affect students' financial behavior. Financial literacy significantly influences students' financial behavior. There is a significant influence of fintech and financial literacy on students' financial behavior, while the rest is influenced by other variables outside the study.</dc:description>
	<dc:publisher xml:lang="en-US">Yayasan Keluarga Guru Mandiri</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2026-10-19</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>http://jiecr.org/index.php/jiecr/article/view/3187</dc:identifier>
	<dc:identifier>10.46843/jiecr.v8i1.3187</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Innovation in Educational and Cultural Research; Vol 8, No 1 (2027): Article in Press; 71-78</dc:source>
	<dc:source>2722-9696</dc:source>
	<dc:source>2722-9688</dc:source>
	<dc:source>10.46843/jiecr.v8i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>http://jiecr.org/index.php/jiecr/article/view/3187/455</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2027 Journal of Innovation in Educational and Cultural Research</dc:rights>
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