PENGARUH PENGGUNAAN E-WALLET DAN LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN PRIBADI MAHASISWA PRODI AKUNTANSI FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TADULAKO

The purpose of this study is to analyze the financial literacy of accounting students at the
Faculty of Economics and Business, Tadulako University and how they use e-wallets. This
study uses quantitative techniques to synthesize the results of experiments that test the
influence of financial literacy and digital wallet use on personal financial behavior (variable
Y). We used a sample size of 90 people for this study. Simple random sampling was used in
this study for sampling purposes. The essence of simple random sampling is to randomly
select a subset of the population from a larger population without considering demographic
factors. Each research instrument has been proven to be valid and reliable based on the results
of the research. Financial literacy and the use of digital wallets have a positive and significant
impact on students' personal financial behavior. Research also shows that financial literacy has
a great influence, suggesting that digital wallets and a strong understanding of money can
shape students' spending habits to be more responsible and focused.
Keywords: E-wallet, Financial literacy, personal financial behavior, accounting students