PENGARUH LITERASI KEUANGAN, LIFESTYLE, DAN FINANCIAL ATTITUDE TERHADAP PENGELOLAAN KEUANGAN PENGGUNA SHOPEE PAYLATER

The development of digital financial services such as Shopee Paylater has made it easier for students to engage in consumptive transactions, yet it raises concerns about their ability to manage personal finances effectively. This study aims to analyze the influence of financial literacy, Lifestyle, and Financial Attitude on financial management behavior among students of the Faculty of Economics and Business at Jenderal Achmad Yani University in Cimahi who actively use Shopee Paylater. The main research question is to what extent these three factors individually and simultaneously affect students' financial management behavior. A quantitative approach was applied using a survey method, with 150 respondents selected through convenience sampling. The analysis reveals that financial literacy and Financial Attitude have a positive influence on financial management, while Lifestyle has a negative impact. Furthermore, all three variables were found to have a significant simultaneous effect on students’ financial management. These findings emphasize the importance of financial education and Lifestyle control in improving financial behavior. Future research is recommended to explore additional variables such as the influence of social media or peer environment on students' financial decision-making.