Pengaruh Literasi Keuangan dan Penggunaan Financial Technology terhadap Perilaku Pengelolaan Keuangan Generasi Muda
Keywords:
Financial literacy, Fintech, Financial Behavior, Young Generation.Abstract
This study aims to analyze the influence of financial literacy and the use of financial technology (fintech) on the financial management behavior of young people. The research method employs a quantitative approach with a survey design involving 150 respondents aged 18-30 years. Data analysis uses multiple linear regression. The results indicate that financial literacy has a significant positive effect on financial management behavior, and the use of fintech shows a similar positive effect. Simultaneously, both variables explain 62.4% of the variation in respondents’ financial behavior. These findings emphasize the importance of financial education and the utilization of financial technology as instruments for improving the quality of individual financial management.
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