The Role of Locus of Control in Moderating the Influence of Financial Technology and Financial Knowledge on Financial Management Behavior (Case Study of the "M-Pise Digital" Micropay Application at KSP Bersama Kami Sejahtera)

This research is quantitative and associative in nature, aiming to examine the influence of Financial Technology (Fintech) usage and Financial Knowledge on Financial Management Behavior, with Locus of Control (LoC) as a moderating variable. The sample consisted of 56 active members who used the “m-Pise Digital” micro-payment application from KSP BISA, selected based on specific criteria. Primary data was collected from these respondents and analyzed using Structural Equation Modeling (SEM) with SmartPLS 4.1.0. The results indicated that Fintech has a significant positive effect on Financial Management Behavior, meaning that increased use of Fintech generally leads to better financial management behavior. Additionally, the presence of Locus of Control functions as a moderator, strengthening this relationship. This is supported by the interaction test between LoC and Fintech, which confirms LoC’s role as an enhancer of the influence. Based on these findings, it is recommended to expand the sample coverage across different regions and demographic backgrounds to produce more representative results. Using a longitudinal design is also suggested to monitor changes in financial behavior over time. Furthermore, developing models that include mediating and moderating variables such as motivation and culture can enrich the analysis.