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The Influence of Financial Technology Payment, Financial Literacy, And Financial Inclusion on Financial Behavior Among University Students

In: Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024)

Author

Listed:
  • Putri Fariska

    (Telkom University, School of Economics and Business)

  • Elny Victoria Pattikawa

    (Telkom University, School of Economics and Business)

  • Mochamad Malik Akbar Rohandi

    (Universitas Islam Bandung, School of Economics and Business)

Abstract

Bandung is a city in the second position of the region and is the main market for fintech in the country. Although the level of financial literacy and inclusion in West Java province is high, many people, especially students, are impulsively tempted to shop online because of the various benefits and conveniences they feel. Due to this phenomenon, this study focuses on the impact of financial technology, financial literacy, and financial inclusion on the financial behavior of students in Bandung City. This study utilized quantitative research methods by distributing questionnaires to 400 respondents. The data analysis process involved multiple linear regression analysis techniques. The results stated that the financial technology payment variable did not have a significant effect on financial behavior, while the financial literacy and financial inclusion variables partially had a significant effect on financial behavior, and financial technology payment, financial literacy, and financial inclusion simultaneously had a significant effect on the financial behavior of students in Bandung City.

Suggested Citation

  • Putri Fariska & Elny Victoria Pattikawa & Mochamad Malik Akbar Rohandi, 2024. "The Influence of Financial Technology Payment, Financial Literacy, And Financial Inclusion on Financial Behavior Among University Students," Advances in Economics, Business and Management Research, in: Suhal Kusairi & Forget Mingiri Kapingura & Putri Fariska Sugestie & Nizam Ahmat (ed.), Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024), pages 444-462, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-558-4_26
    DOI: 10.2991/978-94-6463-558-4_26
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