id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
gp-160	Suherman, Bagus; Abdul Nasir, M. Jamal ; Utama, Bagus Ibnu 	The Influence of Fintech (Paylater) Hedonism on Student Personal Financial Management	2025	8	.pdf	application/pdf	3126	164	43	The questionnaire employed a Likert scale with four response options: 1 = Strongly disagree, 2 = Disagree, 3 = Agree, and 4 = Strongly agree, to measure variables related to financial technology (PayLater), hedonistic lifestyle, and financial literacy on student financial management. The influence of fintech (pay later) and Hedonism on student financial management The results of the F test show that Fintech (Pay Later) and Hedonism simultaneously have a positive and significant effect on students' personal financial management, meaning that Fintech (Pay later) and lifestyle have a positive impact on managing students' finances.	cache/gp-160.pdf	txt/gp-160.txt