The Influence of Financial Knowledge, Financial Attitude, and Hedonism Lifestyle on Financial Management Behavior with Locus of Control as a Moderating Variable among Paylater Users
Keywords:
financial knowledge, financial attitude, hedonism lifestyle, financial management behavior, locus of control, paylaterAbstract
This research was motivated by the increasing frequency of paylater usage. The purpose of this study is to examine the influence of financial knowledge, financial attitude, and hedonism lifestyle on financial management behavior, with locus of control serving as a moderating variable among paylater users. This study employed a quantitative research method by distributing online questionnaires to 200 respondents consisting of Millennial generation paylater users in West Java. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results indicate that financial knowledge and financial attitude have a significant influence on financial management behavior among paylater users, while hedonism lifestyle does not have a significant influence on financial management behavior furthermore, locus of control was found to be unable to moderate the relationships between financial knowledge, financial attitude, and hedonism lifestyle and financial management behavior among paylater users.
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