The Influence of Financial Literacy, Financial Planning, and Fintech Payment on Student Financial Management

Sabina Sandriani Utami, Riskin Hidayat, Alfiatul Maulida () and Suleman Sarwar
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Sabina Sandriani Utami: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics
Riskin Hidayat: Universitas Sarjanawiyata Tamansiswa, Master of Management Study Program, Faculty of Economics
Alfiatul Maulida: Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics
Suleman Sarwar: University of Jeddah

A chapter in Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), 2026, pp 93-107 from Springer

Abstract: Abstract This study aims to analyze the influence of financial literacy, financial planning, and fintech payment on students’ financial management in the Special Region of Yogyakarta. The research employs a quantitative approach using multiple linear regression analysis on 122 active university students who use fintech services. The results indicate that financial literacy has a significantly negative effect on financial management, implying that students with higher financial knowledge do not necessarily show better financial management behavior, possibly due to overconfidence. In contrast, financial planning has a significant positive effect and becomes the most dominant factor influencing financial management. Fintech payment also has a positive and significant effect, suggesting that the use of digital financial services can help students control expenses and manage money more efficiently. The coefficient of determination (R2) of 0.487 shows that the three variables explain 48.7% of the variation in students’ financial management. These findings emphasize that the wise integration of financial literacy, financial planning, and fintech payment plays an important role in shaping healthy financial behavior among students in the digital era.

Keywords: Financial Literacy; Financial Planning; Fintech Payment; Financial Management; Student (search for similar items in EconPapers)
Date: 2026
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DOI: 10.2991/978-94-6239-656-2_8

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