Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technology has an effect on satisfaction finance. It was also found that financial literacy and the use of financial technology were mediated by financial behavior. Finally, use of financial technology had no effect on financial satisfaction through financial behavior as an intervening variable. These results have useful practical and theoretical implications.

The development of information technology is used in various sectors including the banking sector and shopping media. This study aims to determine the effect of mobile banking and online shopping on consumer behavior of students of the economics fac ulty of Universitas Negeri S urabaya. The number of research samples is 102 students who have used mobile banking and online shopping services. This study is a type of explanatory research that use a quantitative approac h. The hypothesis test used is multiple linear regression and F-test. Based on the results of the regression test, it can be concluded that mobile banking has a significant positive effect on co nsumer behavior and online shopping also has a significant positive effect on consumer behavior. From the results of the F-test, it can be concluded that mobile banking and online shopping have a joint effect on consumer behavior by 47.6%, while the remaining 52.4% is influenced by other variables.