The Impact of Financial Literacy, Fintech, And Hedonistic Lifestyle on Student Financial Behavior in Surakarta-Central Java-Indonesia

Internet technology makes it easier for the younger generation to access information on global developments and is quickly able to adopt technology and keep up with the changing times. The lack of knowledge and provision of students' skills in managing finances can affect the financial behavior of students themselves and risk experiencing financial difficulties in the future and may not achieve prosperity. This research was conducted with the aim of confirming the influence of financial literacy, financial technology and hedonistic lifestyle on students' financial behavior. The research used primary data from 90 students domiciled in Surakarta in January 2025. The collected data were analyzed using multiple regression analysis. The results of the study show that financial literacy and financial technology partially have a positive and significant effect on students' financial behavior. Meanwhile, the hedonistic lifestyle has a negative and significant effect on student financial behavior.