Fatimah Nurjannati Iskandar (1), Keni Kaniawati (2), Titin Kartini (3)
General Background: Digital financial services have become closely linked to student consumption patterns in the era of technology based transactions. Specific Background: Students at Sali Al Aitaam University use financial technology within a social environment shaped by digital media, instant lifestyles, and personal financial decision making. Knowledge Gap: The study addresses the need to examine how financial technology and financial management relate to consumptive behavior among vocational faculty students. Aims: This study aimed to determine the relationship between financial technology, financial management, and consumptive behavior using a quantitative survey of 60 students selected through simple random sampling and analyzed with SPSS version 21.0. Results: Financial technology and financial management simultaneously showed a significant relationship with consumptive behavior, with an F value of 137.670 and significance below 0.001. Financial technology showed a positive coefficient of 0.867, while financial management showed a negative coefficient of -0.689. The model produced an R value of 0.910 and an R Square of 0.828, indicating that both variables explained 82.8% of consumptive behavior, while 17.2% was related to factors outside the study. Novelty: The study positions fintech use and financial management as contrasting predictors of student consumptive behavior in the same regression model. Implications: The findings indicate the importance of strengthening financial management awareness while recognizing how fintech convenience can intensify consumptive tendencies.
Highlights:
Keywords: Consumptive Behavior, Financial Literacy, Financial Management, Financial Technology
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