The influence of digital financial application usage on student lifestyles in tangerang city
DOI:
https://doi.org/10.63088/60s61g77Keywords:
Digital financial applications, financial attitude, financial behavior, financial knowledge, LifestyleAbstract
Purpose: This study analyses how digital financial tools impact students' daily habits in Tangerang City, emphasizing financial literacy, attitudes, and behavior. It enhances understanding of digital financial management and offers new insights into factors shaping students' lifestyles in the digital era.
Methods: A quantitative research method was applied, collecting data from 100 active students in Tangerang City through purposive sampling and utilizing questionnaires as the main data collection tool. To assess the simultaneous and partial influence between variables, the study used multiple regression analysis.
Result: These findings reveal the following results: Financial literacy has a positive impact on students' lifestyles, as shown by t-statistics of 2,611. In addition, financial attitudes positively affect students' lifestyles, shown by t-statistics of 13,703. And Financial behavior also positively affects students' lifestyles, shown by t-statistics of 5.244, all of which are greater than 1.661. Together, financial literacy, attitudes, and behaviors explain 79.5 percent of the difference in students' lifestyles from the influence on students' lifestyles.
Conclusion: These results highlight that digital financial applications play a role in shaping students' lifestyles. Students with strong financial literacy, attitudes and behaviors are more likely to adopt a budget-conscious and well-structured approach to managing their finances. On the contrary, a lack of financial literacy leads to a more consumptive lifestyle. The use of digital financial applications helps students manage their finances more efficiently and reduce unnecessary expenses
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Copyright (c) 2025 Riesdyandira Deidra, Mikrad Mikrad, Dhea Zatira, Khairunnisa Binti Mokhtar Ahmad (Author)
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