Analysis of The Benefits of Financial Technology and Financial Socialization Towards Financial Behavior in Students in Surabaya Post Pandemic with Financial Literacy as The Intervening Variable

IF 1.6 Q3 BUSINESS, FINANCE

Australasian Accounting Business and Finance Journal Pub Date : 2023-03-31 DOI:10.33086/bfj.v8i1.4138

Wirawan Dwi Radianto, Angelina Suryanto

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引用次数: 1

Abstract

The purpose of this study is to investigate financial behavior among university students in Surabaya and analyze the relationship between perceived usefulness of financial technology, financial socialization, and financial literacy as an intervening variable. Conclusive causality research is used for this research with primary data collected from questionnaires. The sampling techniques used a combination of proportional stratified random sampling and purposive sampling towards 466 university students from 6 universities in Surabaya. Data analyzed using Partial Least Squares - Structural Equation Model (PLS-SEM) techniques. The result shows that financial literacy and financial socialization positively impacts financial behavior while perceived usefulness of financial technology variables does not affect financial behavior. Mediation results showsthat financial literacy is able to mediate perceived usefulness of financial technology and financial socialization towards financial behavior of university students in Surabaya. Through this research is expected to be the reference for various parties, especially for curriculum makers to consider optimization technical teaching strategies and assessment indicators in basic financial outreach.

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以金融素养为中介变量的泗水市疫情后金融科技与金融社会化对学生金融行为的影响分析

本研究的目的是调查泗水市大学生的金融行为，并分析金融科技感知有用性、金融社会化和金融素养作为中介变量的关系。本研究采用结论性因果关系研究，主要数据收集自问卷调查。抽样技术采用比例分层随机抽样和目的抽样相结合的方法，对泗水市6所大学的466名大学生进行抽样。数据分析采用偏最小二乘-结构方程模型(PLS-SEM)技术。结果表明，金融素养和金融社会化正向影响金融行为，而感知金融技术变量有用性不影响金融行为。中介结果显示，金融素养能够中介金融科技感知有用性和金融社会化对泗水市大学生金融行为的影响。通过本研究有望为各方，特别是课程制定者在基础金融外展中考虑优化技术教学策略和评估指标提供参考。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Australasian Accounting Business and Finance Journal BUSINESS, FINANCE-

CiteScore

3.90

自引率

15.80%

发文量

审稿时长

24 weeks

期刊介绍： The Australasian Accounting, Business and Finance Journal is a double blind peer reviewed academic journal. The main focus of our journal is to encourage research from areas of social and environmental critique, exploration and innovation as well as from more traditional areas of accounting, finance, financial planning and banking research. There are no fees or charges associated with submitting to or publishing in this journal.