“…Therefore, for future research, the researcher suggests expanding the research (Rohmawati et al, 2023), for example, throughout Central Java, Java island, as well as to various provinces in Indonesia. Future research also can add various factors that influence financial behavior such as age, gender, spiritual intelligence, financial technology (Amaliyah & Nugroho, 2022), macroeconomic factors (Amaliyah et al, 2023), digital marketing (Amaliyah & Prabasari, 2021) (Nugroho et al, 2022, level of education (Kaiser et al, 2022), lifestyle (Zahra & Anoraga, 2021), or financial inclusion (Morgan & Long, 2020).…”