Pengaruh Financial Literacy, Financial Attitude, Financial Technology, Locus of Control, dan Hedonic Lifestyle Terhadap Financial Behavior Pengguna QRIS di Surabaya

Abstract

This study aims to analyze the effects of financial literacy, financial attitude, financial technology, locus of control, and hedonic lifestyle on the financial behavior of QRIS users in Surabaya. This study employed a causal research design with a quantitative approach. The independent variables consisted of financial literacy (X1), financial attitude (X2), financial technology (X3), locus of control (X4), and hedonic lifestyle (X5), while financial behavior was used as the dependent variable (Y). The sample comprised 297 respondents who were QRIS users residing in Surabaya. Respondents were selected using purposive sampling combined with snowball sampling. Data were collected through an online questionnaire distributed using Google Forms and analyzed using multiple linear regression with IBM SPSS Statistics 31. The results indicate that financial literacy, financial attitude, financial technology, and hedonic lifestyle have positive and significant effects on financial behavior. In contrast, locus of control has no significant effect on financial behavior. These findings suggest that financial knowledge, attitudes toward money, the use of financial technology, and lifestyle tendencies contribute to the financial behavior of QRIS users. Meanwhile, an individual’s belief in controlling financial circumstances does not necessarily determine their financial management behavior.