The Effect of Financial Literacy on Financial Management Behavior With Financial Risk Attitude and Financial Technology as Mediating Variables

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Financial literacy positively influences financial risk attitudes, making it crucial for MSME actors' decision-making.
Financial technology acts as a mediator between financial literacy and financial management behavior, highlighting its role in modern finance.
Data from 156 MSME owners were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method.
These findings suggest a need for financial literacy strategies to incorporate risk management and technology use for effective outcomes.

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Quantitative analysis reveals that financial risk attitude and technology mediate financial literacy's effect on MSME behavior.

Robihah et al. (2025) studied this question.

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