The influence of financial awareness and the utilization of artificial intelligence on financial decision making of students at the State Islamic University of North Sumatra
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Jun 8, 2026
Keywords:
Artificial Intelligence, Financial Awareness, Financial Decision Making
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Articles
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Abstract
This study uses a quantitative method with a causal associative relationship to analyze the influence of financial awareness and the role of AI on the structure of financial decision-making among UINSU students. Primary data collection comes from a 5-level Likert-scale questionnaire distributed to a sample of 100 students. To ensure the accuracy of the multiple linear regression output, SPSS software is used to execute the analysis stages including: instrument reliability and validity testing, fulfillment of classical assumptions (consisting of normality, freedom from heteroscedasticity, and absence of multicollinearity), and significance evaluation (t-test, F-test, plus the achievement of the coefficient of determination). The output of this research shows a tendency for a positive and significant relationship between variables. Independently, the growth of financial awareness and the appropriate application of AI can stimulate students' financial decisions to become more mature. This conclusion is strengthened by simultaneous testing which shows that the combination of these two factors plays an essential role in influencing the financial behavior of students at the State Islamic University of North Sumatra.
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How to Cite
Tanjung, M. F., Atika, A., & Marliyah, M. (2026). The influence of financial awareness and the utilization of artificial intelligence on financial decision making of students at the State Islamic University of North Sumatra. Indonesia Auditing Research Journal, 15(2), 184–193. https://doi.org/10.35335/arj.v15i2.683
References
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Novi Fadhila, N. E. (2025). Pengaruh Financial Stress dan Pengelolaan Anggaran Terhadap Perilaku Keuangan Masyarakat dengan Dukungan Sosial Sebagai Variabel Intervening. Journal Research of Economic Dan Bussiness, 4(2), 1–19.
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Rahma, H. A. (2024). Pengaruh Sharia Financial Literacy Dan Financial Management Behavior Terhadap Keputusan Penggunaan Bank Syariah Indonesia (Studi Kasus Mahasiswa Febi Uinsu Medan). Universitas Medan Area.
Ramadhani, R. M. (2023). Pengaruh Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku terhadap Intensi Mahasiswa FEBI UINSU Menggunakan Linkaja Syariah. Al-Muqayyad, 17–28.
Ramalingan, G. K. (2025). AI-Driven Financial Advice Its Impact on Household Financial Decision-Making. Jurnal Ilmiah Ekonomi.
Ridwan, M. (2023). Pengaruh Literasi Perbankan Syariah Dan Produk Perbankan Syariah Terhadap Minat Mahasiswa FEBI UIN Sumatera Utara Menabung Di Bank Syariah. MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 1(3). https://doi.org/10.59246/muqaddimah.v1i3.333
Siebert, J., Ulrich, J., & Bl, F. (2026). Deciding for a secure tomorrow : Proactive decision-making and retirement financial planning behavior. European Journal of Operational Research, 331(May 2024), 878–893. https://doi.org/10.1016/j.ejor.2025.10.021
Sugiyono. (2022). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Togan, A., Tiniç, M., & Cesim, T. (2025). Borsa Istanbul Review Risk perceptions and financial decision making ☆. Borsa Istanbul Review, 25(S1), 30–37. https://doi.org/10.1016/j.bir.2025.08.007
Wei, J., Qi, S., Wang, W., Jiang, L., Gao, H., Zhao, F., Al-bukhaiti, K., & Wan, A. (2025). Decision-Making in the Age of AI : A Review of Theoretical Frameworks , Computational Tools , and Human-Machine Collaboration. Contemporary Mathematics, 6(2), 2089–2112.
El, S., Nasution, H., & Kunci, K. (2024). Pengaruh Pendekatan Emosional Dan Rasionalitas Terhadap Keputusan Mahasiswa Memilih Menabung Di Bank Syariah (Studi Kasus Pada Mahasiswa Febi Uinsu). Jurnal Ekonomi & Ekonomi Syariah, 7(1), 291–304. https://doi.org/10.36778/jesya.v7i1.1400
Februari, B. (2024). Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), 54–61.
Februari, B., Lathief, M., & Nasution, I. (2024). Communication Skill Analysis in Marketing of iB Hijrah Savings. Jurnal Ekonomi Syariah Dan Bisnis Islam, 11(1), 83–92.
Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26 (10th ed.). Badan Penerbit Universitas Diponegoro.
Hakim, L., Prawwatya, N., Huda, C., Fajar, D., Fadila, S., & Rizaldi, M. (2024). The Role Of Fintech Lending In Expanding Sharia Financial Inclusion And Human Development In Indonesia. Jurnal Ekonomi Dan Keuangan Islam, 13(1), 299–321. https://doi.org/10.22373/share.v13i1.22548
Ihsan, K., & Fatya, A. (2025). Analisis Pemanfaatan Artificial Intelligence untuk Meningkatkan Efisiensi dalam Proses Penyusunan Laporan Keuangan. Jurnal Ilmiah Ekonomi Manajemen Bisnis Dan Akuntansi, 2(5), 753–759. https://doi.org/10.61722/jemba.v2i5.1491
Jannatun, R. (2023). Pengaruh Literasi Keuangan dan Financial Self Efficacy Terhadap Financial Behavior Pada Generasi Z Lingkungan Kampus UIN Sumatera Utara. Jurnal Manajemen Dan Bisnis Ekonomi, 1(4). https://doi.org/10.54066/jmbe-itb.v1i4.673
Krisdianto, D. (2024). Strategi Implementasi Teknologi Keuangan dan Pengaruhnya terhadap Kinerja Keuangan Perusahaan : Studi Kasus pada Profesional Akuntan di Era Digital. INNOVATIVE: Journal Of Social Science Research, 4, 1543–1550.
Kurniawan, P., Budiyanto, D., & Hamdani, F. (2025). Dampak Penggunaan Artificial Intelligence terhadap Etika Profesi dan Moral di Dunia Kerja. Jurnal Pustaka Data, 5(1), 103–108. https://doi.org/10.55382/jurnalpustakadata.v5i1.1025
Laakasuo, M., Castr, S., Kainulainen, T., Saastamoinen, J., & Suhonen, N. (2025). Intelligence , conscientiousness and extraversion moderate the house money effect in real-life financial decision-making. Journal of Research in Personality, 119(September).
Layn, B. (2024). Artificial Intelligence in Finance: Transforming Decision-Making and Risk Management for Enhanced Financial Outcomes. ScholarWorks.
Merter, A. K. (2025). Financial literacy and decision-making : The impact of knowledge gaps on financial outcomes. Borsa Istanbul Review, 25(July), 101–108. https://doi.org/10.1016/j.bir.2025.07.010
Molavi, H., Zhang, L., & Khanbabaei, M. (2025). Sustainable financial infrastructure and governance : A fuzzy multi-criteria decision-making analysis of open service innovation in unstable economies. Sustainable Futures, 9(December 2024), 100485. https://doi.org/10.1016/j.sftr.2025.100485
Mulyono, E. (2025). From Jurisprudence to Algorithms: The Role of Artificial Intelligence in Contemporary Sharia Financial Decision-Making. Nusantara: Journal of Law Studies, 4(2), 129–142. https://doi.org/10.5281/zenodo.17341980
Nasution, D. S. (2024). Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Mahasiswa Menggunakan Layanan Financial Technology.
Nasution, S. A. (2024). Perilaku Konsumsi Fashion Muslim di Era Digital Dalam Perspektif Islam ( Studi Kasus Mahasiswa Febi UIN Sumatera Utara ). Jurnal Ilmiah Ekonomi Islam, 10(03), 2854–2863.
Novi Fadhila, N. E. (2025). Pengaruh Financial Stress dan Pengelolaan Anggaran Terhadap Perilaku Keuangan Masyarakat dengan Dukungan Sosial Sebagai Variabel Intervening. Journal Research of Economic Dan Bussiness, 4(2), 1–19.
Pohan, S. U. (2023). Pengaruh uang saku, literasi keuangan, inklusi keuangan dan teman sebaya terhadap tingkat konsumsi mahasiswa uin sumatera utara medan. Adl Islamic Economic, 4, 45–64.
Rahma, H. A. (2024). Pengaruh Sharia Financial Literacy Dan Financial Management Behavior Terhadap Keputusan Penggunaan Bank Syariah Indonesia (Studi Kasus Mahasiswa Febi Uinsu Medan). Universitas Medan Area.
Ramadhani, R. M. (2023). Pengaruh Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku terhadap Intensi Mahasiswa FEBI UINSU Menggunakan Linkaja Syariah. Al-Muqayyad, 17–28.
Ramalingan, G. K. (2025). AI-Driven Financial Advice Its Impact on Household Financial Decision-Making. Jurnal Ilmiah Ekonomi.
Ridwan, M. (2023). Pengaruh Literasi Perbankan Syariah Dan Produk Perbankan Syariah Terhadap Minat Mahasiswa FEBI UIN Sumatera Utara Menabung Di Bank Syariah. MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 1(3). https://doi.org/10.59246/muqaddimah.v1i3.333
Siebert, J., Ulrich, J., & Bl, F. (2026). Deciding for a secure tomorrow : Proactive decision-making and retirement financial planning behavior. European Journal of Operational Research, 331(May 2024), 878–893. https://doi.org/10.1016/j.ejor.2025.10.021
Sugiyono. (2022). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Togan, A., Tiniç, M., & Cesim, T. (2025). Borsa Istanbul Review Risk perceptions and financial decision making ☆. Borsa Istanbul Review, 25(S1), 30–37. https://doi.org/10.1016/j.bir.2025.08.007
Wei, J., Qi, S., Wang, W., Jiang, L., Gao, H., Zhao, F., Al-bukhaiti, K., & Wan, A. (2025). Decision-Making in the Age of AI : A Review of Theoretical Frameworks , Computational Tools , and Human-Machine Collaboration. Contemporary Mathematics, 6(2), 2089–2112.
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