The purpose of this study is to analyze the effect of financial literacy and financial technology on the financial performance of employees at the Civil Service and Human Resource Development Agency of Talaud Islands Regency. This study uses a quantitative method with primary data obtained through questionnaires administered to 24 employees as respondents. In this study, the researcher used multiple linear regression analysis with the assistance of SPSS version 26. The results of this study indicate that financial literacy has a significant negative effect, while financial technology has a significant positive effect on employee financial performance, and simultaneously, both have a significant effect on employee financial performance. Based on the results of this study, it can be concluded that financial literacy, which involves financial knowledge without proper management, can reduce employee financial performance.
Maunde et al. (Wed,) studied this question.