The Influence of Financial Literacy and the Use of Financial Technology on Financial Management with Lifestyle as a Moderating Variable in the Millenial Generation

The purpose of this study was to investigate how financial technology and financial literacy affect Millennials' financial management while controlling for lifestyle. The Slovin algorithm and purposive sampling based on predetermined criteria were used to select a sample of 100 persons for this study, which concentrated on the Millennial generation in Mataram City. Quantitative techniques and Smart PLS 4.0 software were used for analysis, while questionnaires were used for data gathering. The findings of this study indicate that financial management is positively and significantly influenced by financial literacy and financial technology, and lifestyle has no moderating effect between financial literacy and financial management, while lifestyle moderates financial technology and financial management.