The Influence of Financial Literacy and Gender on Financial Behavior with Financial Technology as A Mediating Variable

Fauziyah, Nabil Nur and Sultan, Sultan and Dasila, Rifqa Ayu (2026) The Influence of Financial Literacy and Gender on Financial Behavior with Financial Technology as A Mediating Variable. Journal of Applied Business, Taxation and Economics Research (JABTER), 5 (4). pp. 699-710. ISSN 2808-263X

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Abstract

This study analyzes the effect of financial literacy and gender on students’ financial behavior with financial technology as a mediating variable. A quantitative approach was employed through a survey of 96 students at Universitas Muhammadiyah Palopo who actively use fintech services. The data were analyzed using multiple linear regression. The results indicate that financial literacy and gender influence students’ financial behavior, and financial literacy also affects the use of financial technology. Financial technology acts as a mediating variable that strengthens the relationship between financial literacy and students’ financial behavior. Therefore, improving financial literacy and the wise use of financial technology are essential to promote healthier and more responsible financial behavior among students.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Sultan, Sultan NIDN0907019103 Teacher Dasila, Rifqa Ayu NIDN0908079401
Uncontrolled Keywords:	Keywords: Financial Literacy, Gender, Financial Technology, Financial Behavior, Fintech Students
Subjects:	H Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User:	Nabil Nur Fauziyah
Date Deposited:	10 Jun 2026 08:06
Last Modified:	10 Jun 2026 08:06
URI:	http://repository.umpalopo.ac.id/id/eprint/6345

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