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

Putri Fariska (), Elny Victoria Pattikawa and Mochamad Malik Akbar Rohandi
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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

A chapter in Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024), 2024, pp 444-462 from Springer

Abstract: 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.

Keywords: Financial technology; financial literacy; financial inclusion; financial behaviour (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-558-4_26

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