THE INFLUENCE OF E-WALLET USAGE AND FINANCIAL LITERACY ON PERSONAL FINANCIAL BEHAVIOUR AMONG ACCOUNTING STUDENTS AT THE FACULTY OF ECONOMICS AND BUSINESS, TADULAKO UNIVERSITY
Yusriyani Herawaty Kurnia (a*), Yuldi Mile(b), Abdul Kahar(b), Rahma Masdar (b), Andi Chairil Furqan (b)

Accounting Department, Faculty of Economics and Business, Tadulako University

Abstract

This study analyzed how E-Wallet usage and financial literacy affect the financial behavior of accounting students at the Faculty of Economics and Business at Tadulako University. Using a quantitative approach, the authors examined the influence of E-Wallet usage and financial literacy (X) on personal financial behavior (Y) among 90 randomly selected participants. All questionnaires were valid and reliable. Both E-Wallet usage and financial literacy positively and significantly influenced students^ financial behavior. Financial literacy also had a significant effect, indicating that E-Wallet usage and strong financial understanding lead to more focused and prudent student financial behavior.

Keywords: E-Wallet, Financial Literacy, Personal Financial Behavior, Accounting Students

Topic: Financial Management and Banking