Pengaruh Financial Attitude, Financial Experience dan Financial Knowledge Terhadap Financial Management Behavior Pengguna Paylater dengan Self Control sebagai Faktor Pemoderasi

Abstract

Technological developments have led to innovations in the financial sector, one of which is financial technology (fintech). The existence of fintech in people's lives makes it fast and practical, so that it can move the economy towards a more effective, modern and efficient direction. This study aims to analyze the effect of financial attitude, financial experience and financial knowledge on the financial management behavior of paylater users with self-control as a moderating factor. With a total sample of 82 respondents. Data analysis using multiple linear regression using SPSS. The results of this study are that financial attitude has a significant and positive effect on financial management behavior. Financial experience has a significant and positive effect on financial management behavior. financial knowledge has a significant and positive effect on financial management behavior. self control does not moderate the relationship between financial attitude and financial management behavior. self control moderates the relationship between financial experience and financial management behavior. self control does not moderate the relationship between financial knowledge and financial management behavior