Financial Literacy with Risk as a Moderation Variable in Students of Universitas Pembangunan Nasional “Veteran” East Java

Technology is a tool that facilitates access to the power needed by humans. The development of digital technology has penetrated the economic field, this phenomenon has changed the prospects of the financial sector around the world. As a result of these changes, a new phenomenon has emerged, namely financing that was previously traditional to digital, this phenomenon is called financial technology.

Purpose: This research aims to determine the effect of financial literacy and ease of use on interest in using Financial Technology with risk as a moderation variable.

Patients and methods: The analysis method employed is a moderation test on smart pls

Results: The research findings indicate that financial literacy has a direct impact on the use of financial technology, ease of use has a direct impact on interest in using financial technology, and that financial literacy is moderated by risks to interest in using financial technology but cannot contribute, and ease of use is moderated by risk to interest in using financial technology but cannot contribute.