Published: 2025-02-12
The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era
DOI: 10.35870/ijmsit.v5i1.3578
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Abstract
This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.
Keywords
Technology ; Literacy ; Behavior ; Finance
Article Information
This article has been peer-reviewed and published in the International Journal of Management Science and Information Technology. The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 5 No. 1 (2025)
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Section: Articles
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Published: %750 %e, %2025
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/ijmsit.v5i1.3578
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Nugraha Rasyid
Department of Management, Universitas Muhammadiyah Palopo, Palopo City, South Sulawesi Province, Indonesia
Goso
Department of Management, Universitas Muhammadiyah Palopo, Palopo City, South Sulawesi Province, Indonesia
Muhammad Ikbal
Department of Development Economics, Universitas Muhammadiyah Palopo, Palopo City, South Sulawesi Province, Indonesia
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