Pengaruh Fintech Terhadap Perilaku Manajemen Keuangan di Kalangan Masyarakat Kota Medan

Abstract

The background of this study is based on the increasingly rapid development of digital technology, including in the financial sector, which provides convenience for people to access financial services quickly and practically. This study aims to analyze the role of Financial Technology Fintech on financial management behavior among the people of Medan City The method used in this study is quantitative with a descriptive and associative approach. Primary data was collected by distributing questionnaires to 130 respondents who live in Medan City and have used fintech services for at least the last six months. Data analysis was carried out by, simple linear regression, t-test, and coefficient of determination (R²). The results showed that fintech has a positive and significant effect on people's financial management behavior. The regression coefficient value of 0.517 and a significance of 0.000 indicate that the more often people use fintech, the better their personal financial management will be. The contribution of fintech to financial management is 18.8%, the rest is influenced by other factors such as financial literacy, income, and social environment. This study concludes that the proper use of fintech can encourage people to be more disciplined and structured in managing their finances.