The Influence of Financial Knowledge, Financial Technology and Financial Self-Efficacy on the Financial Behavior of Qris Users Among Students in Pontianak City

Abstract

The development of digital technology in Indonesia, especially in the financial sector, has had a significant impact on people's transaction patterns. The use of digital payment systems, such as QRIS, is a solution for people who want convenience, speed, and security in transactions. This study aims to identify the influence of Financial Knowledge, Financial Technology, and Financial Self-Efficacy on the Financial Behavior of QRIS users among students in Pontianak City. The method used is associative with a quantitative research design. Data were collected through questionnaires distributed to 150 respondents, taken using a purposive sampling technique. The results of multiple linear regression analysis show that the three independent variables have a significant positive effect on Financial Behavior, with the regression equation Y = 1.120 + 0.320 X1 + 0.153 X2 + 0.413 X3. The correlation coefficient (R) of 0.717 indicates a strong relationship, while the determination coefficient (R²) of 51.4% indicates that the three variables can explain variations in Financial Behavior. The results of the simultaneous test (F test) and partial test (t test) confirmed that Financial Knowledge, Financial Technology, and Financial Self-Efficacy have a significant effect on Financial Behavior. This finding shows the importance of managing financial knowledge, financial technology, and self-confidence in improving healthy financial behavior