Title: Financial Literacy and Digital Financial Inclusion: An Analysis of Their Relationship to Financial Behavior
Authors: Liana Fitri Nurkhasanah
Volume: 9
Issue: 6
Pages: 68-74
Publication Date: 2025/06/28
Abstract:
Low financial literacy and digital financial inclusion in the community is one of the serious problems. This will have an impact on unhealthy financial behavior such as excessive credit use and unwise investment. This study aims to determine first, the relationship between financial literacy and financial behavior, second, the relationship between digital financial inclusion and financial behavior. third, financial literacy and digital financial inclusion in improving good financial behavior. The research method used is using a systematic literature review using 20 articles taken from the range of 2015 to 2025. The results of this analysis reveal that first, financial literacy improves the quality of financial decision making. second, digital financial inclusion has enabled people who previously did not have access to the formal financial system to obtain financial services. third, financial literacy as a moderator or amplifier in the relationship between digital financial inclusion and financial behavior. These findings can support to implement financial literacy and digital financial inclusion