The Influence of Financial Literacy, Financial Self-Efficacy and Fintech Payment on the Financial Behavior of QRIS Users

This study aimed to determine the impact of financial literacy, financial self-efficacy and fintech payment on the financial behavior of QRIS users. The method in this study uses associative research. The population of this study were people in Pontianak City. The data collection technique used a questionnaire. The analysis used is the classical assumption test, multiple linear regression analysis, multiple correlation coefficients, coefficient of determination, and partial effect test (t-test). The multiple correlation coefficient shows that the results of the R test have been carried out with a value of 0.822. This states a very strong correlation of 0.822, namely the amount of financial literacy, financial self-efficacy, and fintech payment on the financial behavior of QRIS users. There is a coefficient of determination (R2) result of 0.676 or 67%. This means that the financial behavior of QRIS users is influenced by financial literacy, financial self-efficacy, and fintech payment. The remaining 33% of the financial behavior of QRIS users is influenced by other variables not tested in this study. The partial test proves that financial literacy, financial self-efficacy and fintech payment positively and significantly influence the financial behavior of QRIS users.