Financial Literacy and Use of Financial Technology Payment for Consumptive Behavior

The low knowledge of students' financial literacy so that they do not have awareness in managing finances which makes students behave consumptively, the purpose this study was to determine effect and use technology payments on consumptive behavior at Faculty Economics Business, Muhammadiyah University North Sumatra. approach used research is a quantitative uses primary data, sample 100 respondents using quota sampling technique. data analysis technique Structural Equation Modeling (SEM) Part Least Square (PLS). results show significant among Universitas Sumatera Utara.