PERAN TEKNOLOGI, PENDIDIKAN, PENGALAMAN DAN LITERASI KEUANGAN PADA PENGELOLAAN KEUANGAN GENERASI MILENIAL

This research aims to examine the effect of use of financial technology, education, financial experience, and financial literacy on millenial’s financial management behavior. The data used in the research is primary data by distributing questionnaires via google form online. Respondents are people who are part of the millennial generation and already have jobs on the island of Java. The data analysis techniques used are descriptive analysis techniques and partial least squares (PLS). The data collected was 123 respondents and the results of analysis are the use of financial technology and education has a positive influence on financial management, financial experience has negative negative effect on financial management, while financial literacy variable does not have a significant effect on financial management.