Pemanfaatan Teknologi Digital dalam Pengelolaan Keuangan Mahasiswa Manajemen Universitas Singaperbangsa Karawang

Abstract

The development of financial technology has significantly changed how university students manage their personal finances, particularly through digital wallets. However, the use of financial management features remains suboptimal. This study aims to analyze the utilization of digital technology in personal financial management among Management students at Universitas Singaperbangsa Karawang. A quantitative survey approach was employed involving 156 students from the 2024 cohort. Data were collected via structured questionnaires based on the Technology Acceptance Model (TAM) and digital financial literacy scales. SPSS 26 was used for data analysis. Findings show that 97.4% of students use digital wallets for transportation and 89.1% for online shopping. Most respondents have a positive perception of the ease and efficiency of digital wallets. Interestingly, active users express higher security concerns, revealing a paradox between usage intensity and trust. Digital wallets positively influence students’ financial management behavior, although their potential is not fully utilized. It is recommended that educational institutions integrate digital financial literacy programs, and e-wallet providers enhance security and user education.