The Impact of Financial Technology, Self-Control, And Financial Knowledge on the Financial Management Behavior of Management Students at the Faculty of Economics and Business, Universitas Swadaya Gunung Jati Cirebon, in the Digital Era

Abstract

This study aims to analyze the impact of Financial Technology (Fintech), Self-Control, and Financial Knowledge on Financial Management Behavior among students of the Faculty of Economics and Business (FEB), Management Program, at Universitas Swadaya Gunung Jati (UGJ) Cirebon in the digital era. By integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB), this study explores how technological access, psychological self-regulation, and financial literacy shape personal financial management behavior. This research employed an associative quantitative approach with a sample of 387 respondents selected using stratified proportionate random sampling. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that partially, Self-Control and Financial Knowledge have a positive and significant effect on Financial Management Behavior, with Financial Knowledge emerging as the most dominant factor. In contrast, Financial Technology was found to have no significant partial effect on students’ financial management behavior. However, simultaneously, the three independent variables significantly influence Financial Management Behavior, with a coefficient of determination (R²) of 53.9%, which is categorized as a moderate level of explanatory power. These findings suggest that although access to financial technology is widely available, healthy financial behavior is more strongly determined by internal factors, particularly financial knowledge and self-control.