Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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The Influence of Financial Literacy, Financial Planning, and Fintech Payment on Student Financial Management

Authors
Sabina Sandriani Utami1, Riskin Hidayat2, Alfiatul Maulida1, *, Suleman Sarwar3
1Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
2Master of Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
3University of Jeddah, Jeddah, Saudi Arabia
*Corresponding author. Email: alfiatulmaulida@ustjogja.ac.id
Corresponding Author
Alfiatul Maulida
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_8How to use a DOI?
Keywords
Financial Literacy; Financial Planning; Fintech Payment; Financial Management; Student
Abstract

This study aims to analyze the influence of financial literacy, financial planning, and fintech payment on students’ financial management in the Special Region of Yogyakarta. The research employs a quantitative approach using multiple linear regression analysis on 122 active university students who use fintech services. The results indicate that financial literacy has a significantly negative effect on financial management, implying that students with higher financial knowledge do not necessarily show better financial management behavior, possibly due to overconfidence. In contrast, financial planning has a significant positive effect and becomes the most dominant factor influencing financial management. Fintech payment also has a positive and significant effect, suggesting that the use of digital financial services can help students control expenses and manage money more efficiently. The coefficient of determination (R2) of 0.487 shows that the three variables explain 48.7% of the variation in students’ financial management. These findings emphasize that the wise integration of financial literacy, financial planning, and fintech payment plays an important role in shaping healthy financial behavior among students in the digital era.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_8How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Sabina Sandriani Utami
AU  - Riskin Hidayat
AU  - Alfiatul Maulida
AU  - Suleman Sarwar
PY  - 2026
DA  - 2026/04/24
TI  - The Influence of Financial Literacy, Financial Planning, and Fintech Payment on Student Financial Management
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 93
EP  - 107
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_8
DO  - 10.2991/978-94-6239-656-2_8
ID  - Utami2026
ER  -