{"id":"https://openalex.org/W4407865164","doi":"https://doi.org/10.30651/blc.v22i1.23795","title":"The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour","display_name":"The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour","publication_year":2025,"publication_date":"2025-01-14","ids":{"openalex":"https://openalex.org/W4407865164","doi":"https://doi.org/10.30651/blc.v22i1.23795"},"language":"en","primary_location":{"id":"doi:10.30651/blc.v22i1.23795","doi":"https://doi.org/10.30651/blc.v22i1.23795","is_oa":true,"landing_page_url":"https://doi.org/10.30651/blc.v22i1.23795","pdf_url":"https://journal.um-surabaya.ac.id/balance/article/download/23795/8839","source":{"id":"https://openalex.org/S4210214581","display_name":"BALANCE Economic Business Management and Accounting Journal","issn_l":"1693-9352","issn":["1693-9352","2614-820X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314899","host_organization_name":"Universitas Muhammadiyah Surabaya","host_organization_lineage":["https://openalex.org/P4310314899"],"host_organization_lineage_names":["Universitas Muhammadiyah Surabaya"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BALANCE: Economic, Business, Management and Accounting Journal","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.um-surabaya.ac.id/balance/article/download/23795/8839","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Khusnul Khotimah","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210150556","display_name":"Universitas Muhammadiyah Purworejo","ror":"https://ror.org/04s5e9593","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210150556"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Khusnul Khotimah","raw_affiliation_strings":["Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia","institution_ids":["https://openalex.org/I4210150556"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101785963","display_name":"Intan Puspitasari","orcid":"https://orcid.org/0000-0002-3348-2304","observed_orcids":["https://orcid.org/0000-0002-3348-2304"]},"institutions":[{"id":"https://openalex.org/I4210150556","display_name":"Universitas Muhammadiyah Purworejo","ror":"https://ror.org/04s5e9593","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210150556"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Intan Puspitasari","raw_affiliation_strings":["Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia","institution_ids":["https://openalex.org/I4210150556"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5081330332","display_name":"Mahendra Galih Prasaja","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210150556","display_name":"Universitas Muhammadiyah Purworejo","ror":"https://ror.org/04s5e9593","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210150556"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Mahendra Galih Prasaja","raw_affiliation_strings":["Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia","institution_ids":["https://openalex.org/I4210150556"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210150556"],"apc_list":null,"apc_paid":null,"fwci":10.3791,"has_fulltext":true,"cited_by_count":10,"citation_normalized_percentile":{"value":0.98325572,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":"22","issue":"1","first_page":"15","last_page":"30"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech-payments","display_name":"fintech payments","score":0.9990000128746033},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":1.0},{"id":"https://openalex.org/keywords/student-financial-management","display_name":"student financial management","score":0.9520000219345093},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.9520000219345093},{"id":"https://openalex.org/keywords/financial-decision-making","display_name":"financial decision-making","score":0.609000027179718}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.864206850528717},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6204502582550049},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5362657308578491},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4708304703235626},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.4127127528190613},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3536243438720703}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.30651/blc.v22i1.23795","doi":"https://doi.org/10.30651/blc.v22i1.23795","is_oa":true,"landing_page_url":"https://doi.org/10.30651/blc.v22i1.23795","pdf_url":"https://journal.um-surabaya.ac.id/balance/article/download/23795/8839","source":{"id":"https://openalex.org/S4210214581","display_name":"BALANCE Economic Business Management and Accounting Journal","issn_l":"1693-9352","issn":["1693-9352","2614-820X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314899","host_organization_name":"Universitas Muhammadiyah Surabaya","host_organization_lineage":["https://openalex.org/P4310314899"],"host_organization_lineage_names":["Universitas Muhammadiyah Surabaya"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BALANCE: Economic, Business, Management and Accounting Journal","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.30651/blc.v22i1.23795","doi":"https://doi.org/10.30651/blc.v22i1.23795","is_oa":true,"landing_page_url":"https://doi.org/10.30651/blc.v22i1.23795","pdf_url":"https://journal.um-surabaya.ac.id/balance/article/download/23795/8839","source":{"id":"https://openalex.org/S4210214581","display_name":"BALANCE Economic Business Management and Accounting Journal","issn_l":"1693-9352","issn":["1693-9352","2614-820X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314899","host_organization_name":"Universitas Muhammadiyah Surabaya","host_organization_lineage":["https://openalex.org/P4310314899"],"host_organization_lineage_names":["Universitas Muhammadiyah Surabaya"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BALANCE: Economic, Business, Management and Accounting Journal","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Quality education","id":"https://metadata.un.org/sdg/4","score":0.6164000034332275}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4407865164.pdf","grobid_xml":"https://content.openalex.org/works/W4407865164.grobid-xml"},"referenced_works_count":12,"referenced_works":["https://openalex.org/W1940328658","https://openalex.org/W2519951263","https://openalex.org/W2561780871","https://openalex.org/W2959983172","https://openalex.org/W3031915185","https://openalex.org/W3177583782","https://openalex.org/W4280635777","https://openalex.org/W4281488514","https://openalex.org/W4283368375","https://openalex.org/W4286277270","https://openalex.org/W4313045678","https://openalex.org/W4385297433"],"related_works":["https://openalex.org/W4409306631","https://openalex.org/W7133517979","https://openalex.org/W4411125016","https://openalex.org/W4210327653","https://openalex.org/W4401889615","https://openalex.org/W7204735783","https://openalex.org/W7218075320","https://openalex.org/W7202339763","https://openalex.org/W7219468503","https://openalex.org/W7216141696"],"abstract_inverted_index":{"This":[0],"study":[1],"aims":[2],"to":[3,88],"ascertain":[4],"how":[5,97],"much":[6],"fintech":[7,105,123],"payments":[8,92,106],"and":[9,40,82,94,104,126,129],"financial":[10,86,133],"literacy":[11,87,103],"influence":[12],"the":[13,24,33,48],"money":[14,77,115,139],"management":[15,78,116],"behaviors":[16],"of":[17,29],"Muhammadiyah":[18,25],"University":[19,26],"Purworejo":[20,27],"students.":[21],"Students":[22],"at":[23],"Class":[28],"2019\u20132021":[30],"served":[31],"as":[32],"research":[34],"population.":[35],"Using":[36],"non-probability":[37],"sampling":[38],"approaches":[39,55],"a":[41,109],"quantitative":[42],"methodology,":[43],"318":[44],"respondents":[45],"made":[46],"up":[47],"study's":[49,72],"sample.":[50],"Multiple":[51],"linear":[52],"regression":[53],"analysis":[54],"are":[56,80],"used":[57],"for":[58,68],"initial":[59],"data":[60],"processing":[61],"in":[62],"SPSS":[63],"version":[64],"25":[65],"(Statistical":[66],"Package":[67],"Social":[69],"Science).":[70],"The":[71],"findings":[73],"demonstrate":[74],"that":[75],"students'":[76,114],"practices":[79],"significantly":[81,93],"favorably":[83],"impacted":[84],"by":[85],"some":[89],"extent.":[90],"Fintech":[91],"advantageously":[95],"impact":[96,112],"students":[98],"handle":[99],"their":[100],"finances.":[101],"Financial":[102],"simultaneously":[107],"have":[108],"significant,":[110],"positive":[111],"on":[113],"practices.":[117],"You":[118],"can":[119],"effectively":[120],"manage":[121],"your":[122],"payment":[124],"usage":[125],"make":[127],"wiser":[128],"more":[130],"fruitful":[131],"future":[132],"decisions":[134],"if":[135],"you":[136],"thoroughly":[137],"understand":[138]},"counts_by_year":[{"year":2026,"cited_by_count":7},{"year":2025,"cited_by_count":3}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2025-02-24T00:00:00"}