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Articles
Articles
Financial Literacy and Digital Financial Behavior on Financial Decision Making
Alfiana, Upik Djaniar, Rezario Febrianta Chandra, Musran Munizu, Listiana Sri Mulatsih
View Author Affiliations
- Alfiana: Universitas Muhammadiyah Bandung, Indonesia
- Upik Djaniar: Universitas Muhammadiyah Kupang, Indonesia
- Rezario Febrianta Chandra: STIE Pembangunan Tanjungpinang, Indonesia
- Musran Munizu: Universitas Hasanuddin, Indonesia
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Abstract
The purpose of this study is to understand how financial literacy and digital financial behavior influence financial decision making in the digital economy era. The research approach used in this study is descriptive research based on the analysis of theoretical relationships. To assist this research approach in explaining theoretical relationships, secondary data such as books, journals, and other related sources are needed. The results of this study indicate that the interaction between financial literacy and digital financial behavior is the two main pillars that determine the quality of financial decision making in the digital economy era. The interplay between financial literacy, digital financial behavior, and financial decision making creates a crucial synergy in navigating today's economic complexities. Financial literacy and digital financial behavior serve as cognitive foundations, while financial decision making is the manifestation of actions within the technology ecosystem.
Author Biographies
Alfiana
Universitas Muhammadiyah Bandung
Master of Management Study Program, Universitas Muhammadiyah Bandung, Bandung City, West Java Province. Indonesia.
Upik Djaniar
Universitas Muhammadiyah Kupang
Management Study Program, Universitas Muhammadiyah Kupang, Kupang City, East Nusa Tenggara, Indonesia.
Rezario Febrianta Chandra
STIE Pembangunan Tanjungpinang
Accounting Study Program, STIE Pembangunan Tanjungpinang, Tanjung Pinang City, Riau Islands, Indonesia.
Musran Munizu
Universitas Hasanuddin
Management Study Program, Universitas Hasanuddin, Makassar City, South Sulawesi, Indonesia.
Listiana Sri Mulatsih
Management Study Program, Universitas Bung Hatta, Padang City, West Sumatra, Indonesia.
Article Identifiers
- Article Title: Financial Literacy and Digital Financial Behavior on Financial Decision Making
- DOI: 10.59431/ijer.v6i2.852
- Publication Date: 2026-06-28
- Journal: Indonesian Journal Economic Review (IJER)
- Volume: 6
- Issue: 2
- Pages: 780–787
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Issue Information
Article Details
| Volume: | 6 |
| Issue: | 2 |
| Year: | 2026 |
| Published: | 2026-06-28 |
| Pages: | 780–787 |
| Section: | Articles |
Additional Information
How to Cite
Alfiana, Djaniar, U., Chandra, R. F., Munizu, M., & Mulatsih, L. S. (2026). Financial Literacy and Digital Financial Behavior on Financial Decision Making. Indonesian Journal Economic Review (IJER), 6(2), 780–787. https://doi.org/10.59431/ijer.v6i2.852
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This work is licensed under a Creative Commons License.
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