Konsekuensi Pengendalian Diri dalam Hubungan Literasi Keuangan Digital terhadap Perilaku Keuangan

In the modern era, individuals are increasingly expected to be technologically literate, including in financial matters. The ease of access to financial technology demands wiser financial behavior (FB). Digital Financial Literacy (DFL) has become a crucial competency in this context. When DFL is supported by strong self-control, individuals are more likely to manage their finances with greater discipline, both in saving and spending. This study aims to examine the mediating role of self-control in the relationship between digital financial literacy and financial behavior. The research focused on university students selected through purposive sampling. Employing a quantitative approach, primary data were collected via questionnaires and analyzed using SmartPLS. The findings reveal that digital financial literacy has a positive influence on financial behavior, both directly and indirectly through the mediation of self-control. These results suggest that students with strong digital financial literacy and self-control tend to demonstrate more responsible and disciplined financial behavior.