Pengaruh Penggunaan Financial Technology (Fintech) terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Nias
DOI:
https://doi.org/10.55606/jupsim.v5i3.8127Keywords:
Digital Payment System, Digital Transformation, Financial Behavior, Financial Technology (Fintech), StudentsAbstract
Advancements in information technology and digitalization have driven the transformation of the financial sector through the emergence of various Financial Technology (Fintech) services, such as digital wallets (e-wallets), electronic payments, fund transfers, and "paylater" services. These conveniences have influenced how university students conduct transactions, manage expenses, save money, and make financial decisions. This study aims to analyze the impact of Financial Technology (Fintech) usage on the financial behavior of students at the Faculty of Economics, Universitas Nias. The study employs a quantitative method with an associative approach. The sample consists of 62 working-class students from the Faculty of Economics, Universitas Nias, selected using purposive sampling. Data collection was conducted via questionnaires, while data processing and analysis utilized IBM SPSS Statistics version 25. Analytical techniques included validity tests, reliability tests, classical assumption tests, simple linear regression analysis, partial tests (t-tests), and the coefficient of determination. The results indicate that the use of Financial Technology (Fintech) has a positive and significant effect on students' financial behavior, with a significance value of 0.000 (< 0.05) and a coefficient of determination of 0.433 (43.3%). This means that Fintech usage explains 43.3% of the variation in students' financial behavior, while the remaining 56.7% is influenced by factors outside the research model. These findings imply that the appropriate use of Fintech can support more effective financial management and improved financial decision-making in the digital era.
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