The Effect of Fintech Payment, Lifestyle, and Financial Knowledge of Financial Management Behavior on Students of the University of Bengkulu

Abstract

The research aims to determine whether fintech payments, lifestyle, and financial knowledge influence the financial management behavior on students of the University of Bengkulu. This type of research is a causal study using quantitative research methods and proportionate stratified random Sampling. This study distributed questionnaires to 341 respondents from students of the University of Bengkulu and then processed statistically using IBM SPSS 26 and multiple linear regression methods. The results of the hypothesis test showed that the fintech payment variable has a significance of 0.313> 0.05 and has a tcount value of 1.010<ttable 1.97, lifestyle variables have a significance of 0.000<0.05 has a tcount value of 8.54> ttable 1.97, variable financial knowledge has a significance of 0.000 <0.05 has a tcount value of 6.80> ttable 1.97. The research finds that fintech payments do not affect financial management behavior, while lifestyle and financial knowledge positively affect financial management behavior.