LITERASI KEUANGAN DIGITAL SEBAGAI FAKTOR YANG MEMPENGARUHI PERILAKU PENGELOLAAN KEUANGAN MAHASISWA DI ERA TEKNOLOGI FINANSIAL
Digital Financial Literacy as a Factor Influencing Students' Financial Management Behaviour in the Era of Financial Technology
Keywords:
digital financial literacy, financial management behavior, university students, financial technology, literature reviewAbstract
The rapid development of financial technology has transformed the way university students access and use digital financial services. This situation requires students to possess adequate digital financial literacy in order to manage their finances wisely. This study aims to examine the role of digital financial literacy as a factor influencing students' financial management behavior in the era of financial technology. The study employed a literature review method by analyzing scholarly articles published between 2021 and 2025, sourced from Google Scholar, Scopus, ScienceDirect, and Garuda databases. The findings indicate that digital financial literacy positively influences students' financial management behavior, including budgeting, controlling expenses, saving, and utilizing financial technology (fintech) services responsibly. Furthermore, the ease of accessing digital financial services may encourage consumptive behavior if it is not supported by adequate financial literacy. Therefore, higher education institutions should strengthen digital financial literacy education to help students make rational and responsible financial decisions.
References
Clarence, J., & Pertiwi, D. (2023). FINANCIAL MANAGEMENT BEHAVIOR AMONG STUDENTS: THE INFLUENCE OF DIGITAL FINANCIAL LITERACY. International Journal of Financial and Investment Studies (IJFIS), 4(1), 9–16. https://doi.org/10.9744/ijfis.4.1.9-16
Deguchi, A., Hirai, C., Matsuoka, H., Nakano, T., Oshima, K., Tai, M., & Tani, S. (2020). What Is Society 5.0? In Society 5.0 (pp. 1–23). Springer Singapore. https://doi.org/10.1007/978-981-15-2989-4_1
Putri, A. P. (2025). The Role of Digital Financial Literacy in Moderating the Relationship between Digital Payment Usage and Students’ Financial Management Behavior. GREENOMIKA, 7(1), 55–66. https://doi.org/10.55732/unu.gnk.2025.07.1.6
Putri Ratnasari, Rizka Aisyah Nurjannah, & Yulianti Karoma. (2025). An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia. Jurnal Informasi Dan Teknologi, 152–160. https://doi.org/10.60083/jidt.vi0.679
Respati, D. K., Widyastuti, U., Nuryati, T., Musyaffi, A. M., Handayani, B. D., & Ali, N. R. (2023). How do students’ digital financial literacy and financial confidence influence their financial behavior and financial well-being? Nurture, 17(2), 40–50. https://doi.org/10.55951/nurture.v17i2.154
Rida, R., Hadli, H., & Ikraam, I. (2025). The Influence Of Financial Literacy, Financial Technology And Lifestyle On Student Behavior (Case Study Of Accounting Study Program Students Receiving Kip In Private Universities In Palembang City). Jurnal Akuntansi, Manajemen Dan Bisnis Digital, 4(1). https://doi.org/10.37676/jambd.v4i1.8864
Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
Verhoef, P. C., Broekhuizen, T., Bart, Y., Bhattacharya, A., Qi Dong, J., Fabian, N., & Haenlein, M. (2021). Digital transformation: A multidisciplinary reflection and research agenda. Journal of Business Research, 122, 889–901. https://doi.org/10.1016/j.jbusres.2019.09.022
Vial, G. (2019). Understanding digital transformation: A review and a research agenda. The Journal of Strategic Information Systems, 28(2), 118–144. https://doi.org/10.1016/j.jsis.2019.01.003
Xiao, Y., & Watson, M. (2019). Guidance on Conducting a Systematic Literature Review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
NPJ is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Articles in this journal are Open Access articles published under the Creative Commons CC BY-NC-SA License This license permits use, distribution and reproduction in any medium for non-commercial purposes only, provided the original work and source is properly cited.
Any derivative of the original must be distributed under the same license as the original.
