ANALISIS LITERASI KEUANGAN DAN PENGGUNAAN TEKNOLOGI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA DI KOTA MALANG

Financial behavior is the ability and attitude in making decisions about managing personal finances. Financial literacy and the use of financial technology are part of the factors that influence financial behavior. This study was conducted to determine the analysis of Financial Literacy (X1) and the use of Financial Technology (X2) on the Financial Behavior of Students in Malang City (Y). This research was conducted using quantitative methods. The data used in this study is primary data conducted by survey method conducted through google form. The sample in this study was 100 respondents according to the slovin formula which has been rounded up. This study uses data analysis techniques including scale range, validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t test, and f test . The results showed that financial literacy has a effect on student financial behavior variables. Meanwhile, financial technology has no effect on student financial behavior variables