THE INFLUENCE OF FINANCIAL TECHNOLOGY, SELF-CONTROL, FINANCIAL LITERACY ON FINANCIAL MANAGEMENT WITH DIGITAL LITERACY AS A MODERATING VARIABLE

Abstract

Financial technology is a merger of finance and technology. However, with Financial technology, Self control is needed to delay temptation. In addition, the role of Financial literacy is also needed so that a person can better understand finances so that a person's welfare will increase. This requires good digital literacy in using information through technology so that one's financial management is more effective. That way, this research was conducted with the aim of knowing the effect of Financial Technology, Self Control, Financial Literacy on financial management with digital literacy as a moderating variable at the Faculty of Economics, Sarjanawiyata Tamansiswa University Yogyakarta. The population and sample in this study were active third semester students and above at the Faculty of Economics, totaling 257 respondents. Data collection in this study used a questionnaire method. In multiple linear analysis with data processing. The results of this study indicate that financial technology, self-control, financial literacy have a significant positive effect on financial management with a sig value. on the financial technology variable of 0.604, on the self-control variable of 0.155, on the financial literacy variable of 0.202. Meanwhile, digital literacy as moderation is able to strengthen the influence of financial technology and financial literacy on financial management, but is unable to strengthen the influence of self control on financial management.