This study examines the influence of mental accounting, financial attitudes, financial knowledge, and financial self-efficacy on the financial behavior of diligent students in using fintech. This study differs from previous research because it uses a sample of students who already have a business and often use fintech. Data collection was carried out through the distribution of questionnaires to respondents. This study found that financial attitudes and self-efficacy had a significant effect on financial behavior, while financial knowledge had no significant effect on financial self-efficacy and mental accounting. Mental accounting significantly affects financial attitudes, financial behavior, and financial self-efficacy. These findings prove the importance of mental accounting in increasing the confidence and effectiveness of students who often use fintech and have a business in making financial decisions. This research contributes to developing the theory of planned behavior in the context of financial behavior. It reveals that financial literacy does not necessarily increase financial self-efficacy and mental accounting, especially among students who often use fintech and are just starting a business.

This study aims to prove and analyze the effect of financial knowledge, financial behavior, and digital financial capabilities on financial inclusion, financial concern, and performance in Small and Medium Enterprises (SMEs) in East Java. The population used in this study was 1,387,854 Micro, Small and Medium sized Enterprises (MSMEs) actors in East Java, which is located in the Gerbangk ertasusila area. The sample in this study were 395 respondents who were determined by the non-probability sampling method. In this study a questionnaire research instrument was used, namely a set of questions answered to respondents to obtain written information related to research variables and used the Structural Equation Modeling (SEM) analysis technique. The results of the study show that: (1) Financial knowledge has a significant effect on financial inclusion, (2) Financial behavior has a significant effect on financial inclusion, (3) Digital financial capability has a significant effect on financial inclusion, (4) ) Financial inclusion has no significant effect on financial problems, (5) Financial knowledge has a significant effect on financial concerns, (6) Financial behavior has a positive and significant effect on financial concerns, (7) Digital financial capability has a significant effect on financial concern, (8) Financial knowledge has an insignificant effect on MSME performance, (9) Financial Behavior has no significant effect on MSME performance, (10) Digital financial capability has no significant effect on MSME performance, (11) Financial inclusion has a positive and significant effect on MSME performance. (12) Financial concern has a positive and significant effect on MSME performance.