PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY DAN IMPULSIVE BUYING TERHADAP PENGELOLAAN KEUANGAN MAHASISWA DENGAN LIFESTYLE SEBAGAI VARIABEL MODERASI (Studi Empiris pada Mahasiswa Akuntansi Universitas Muhammadiyah Malang Angkatan 2022)

In the university environment, many students are still unable to manage their finances wisely. This study aims to analyze the influence of financial literacy, financial technology, and impulsive buying on student financial management and examine the role of lifestyle as a moderating variable. This research is a quantitative study with an associative approach. The data used in this study are primary data with the help of Google Forms. The population in this study were students of the Accounting Study Program at the University of Muhammadiyah Malang, while the sample was selected using a purposive sampling method. The data were then analyzed using SEM PLS and Moderated Regression Analysis (MRA) with the help of SmartPLS4 software. The results show that financial literacy and financial technology variables have a positive effect on student financial management, while impulsive buying has a negative effect. Furthermore, the lifestyle variable is only able to moderate the effect of financial technology on financial management, not the financial literacy and impulsive buying variables. Thus, it can be concluded that increasing financial literacy and wise use of financial technology are important factors in improving student financial management, while lifestyle plays a limited role as a moderating variable.