Abstract:

Financial literacy is an essential life skill in today’s increasingly digital economy. This study investigates the relationship between financial literacy—measured through knowledge, behavior, and attitude—and students’ academic performance in finance-related courses at a major university in Bandung, Indonesia. Using a quantitative design and multiple linear regression analysis on 250 undergraduate respondents, the research explores how cognitive, behavioral, and affective components of financial literacy contribute to learning outcomes. The findings reveal that although financial literacy dimensions positively correlate with academic performance, their direct effects on GPA are limited. These results suggest that knowledge alone does not translate into improved academic outcomes without supporting behavioral and motivational factors. The study highlights the potential of IoT-based learning platforms, such as Android financial education applications, to strengthen engagement, financial awareness, and self-regulation. Integrating IoT-enabled tools into financial education could enhance experiential learning, making financial literacy more interactive and effective in improving students’ long-term financial competence.