PENGARUH LITERASI KEUANGAN DIGITAL TERHADAP PERILAKU PENGELOLAAN KEUANGAN MAHASISWA PENDIDIKAN EKONOMI DI ERA TRANSFORMASI DIGITAL
DOI:
https://doi.org/10.23969/jp.v11i3.67285Keywords:
Digital Financial Literacy, Financial Management Behavior, Economics Education Students, Digital Transformation, Financial TechnologyAbstract
The rapid development of digital technology has brought significant changes to the way students access and manage financial services. The availability of digital financial platforms such as electronic wallets, digital banking, and financial technology services provides convenience in financial transactions but also creates challenges related to students' financial management behavior. This study aims to analyze the effect of digital financial literacy on the financial management behavior of Economics Education students in the digital transformation era. This research uses a quantitative approach with a survey method. Data collection was carried out through questionnaires distributed to Economics Education students. The data analysis technique used simple linear regression analysis to determine the effect of digital financial literacy on students' financial management behavior. The results indicate that digital financial literacy has a positive contribution to improving students' financial management behavior. Students with better understanding of digital financial services tend to be more capable of planning expenses, controlling financial decisions, and utilizing financial technology wisely. Therefore, strengthening digital financial literacy through economic education is important to prepare students to become financially responsible individuals in the digital era.
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