The The Influence of Consumptive Behavior and Financial Literacy on Financial Awareness Through The Use of The Seabank Application on Administrative Economics Students At The State University of Jakarta

Abstract

This study aims to analyze the effect of consumptive behavior and financial literacy on financial awareness, and test the mediating role of using the SeaBank application among Administrative Economics students at State University Jakarta. The method used is quantitative with a causal approach. Data were collected through an online questionnaire distributed to 100-150 selected respondents using purposive sampling technique. The results showed that financial literacy has a positive and significant effect on students' financial awareness, while consumptive behavior has a significant negative effect. However, neither financial literacy nor financial awareness has a significant effect on the use of the SeaBank application. In addition, financial awareness is not proven to mediate the relationship between financial literacy and consumptive behavior on the use of the application. This finding indicates that although students have a good understanding of finance, other factors such as promotions or digital trends are more dominant in encouraging the use of financial applications. This research provides practical implications for educational institutions and app developers to further integrate financial education into digital technology.