Penelitian ini bertujuan untuk mengetahui adanya pengaruh Financial Attitude dan Finanial Knowledge terhadap Financial Satisfaction dengan Financial Behaviour sebagai variabel intervening. Sampel dalam penelitian ini adalah 220 masyaakat pengguna Fintech di Surabaya dengan rentang usia 18-34 tahun. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) dengan menggunakan program AMOS 24. Hasil penelitian ini menunjukkan bahwa financial attitude berpengaruh terhadap financial behaviour, financial knowledge tidak berpengaruh terhadap financial behaviour, financial behaviour berpengaruh terhadap financial satisaction, financial attitude tidak berpengaruh terhadap financial satisfaction, financial knowledge berpengaruh terhadap financial satisfaction, financial attitude berpengaruh terhadap financial satisfaction melalui financial behaviour dan financial knowledge tidak berpengaruh terhadap financial satisfaction melalui financial behviour.
Kata Kunci : Financial Attitude, Financial Behaviour, Financial Knowledge, Financial Satisfaction
This purpose of this study is to determine the effect of Financial Attitude and Financial Knowledge on Financial Satisfaction with Financial Behavior as an intervening variable. The sample in this study was 220 Surabaya society which is using a financial technology from range age 18-34 years. The analysis technique from this study is using Structural Equation Model (SEM) with AMOS 24 program. The results of this study indicate that financial attitude influences financial behavior, financial knowledge does not affect financial behavior, financial behavior influences financial satisaction, financial attitude does not affect on financial satisfaction , financial knowledge influences financial satisfaction, financial attitude influences financial satisfaction through financial behavior and financial knowledge does not affect financial satisfaction through financial behavior.
Keywords: Financial Attitude, Financial Behaviour, Financial Knowledge, Financial Satisfaction