The Influence of Financial Technology Payment, Financial Attitude, and Financial Knowledge on Students' Financial Management Behavior

This study investigates the effects of Financial Technology Payment, Financial Attitude, and Financial Knowledge on the Financial Management Behavior of FKIP students at Universitas Muhammadiyah Surakarta. Using a quantitative approach, data were collected via questionnaires from 304 purposively sampled students and analyzed through SEM-PLS with SmartPLS 3. Results indicate that Financial Technology Payment does not significantly influence Financial Management Behavior, whereas Financial Attitude and Financial Knowledge have positive, significant effects. Collectively, all three variables significantly impact Financial Management Behavior.