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This study aims to analyze the influence of financial literacy, financial attitude, lifestyle, and the use of PayLater features on the financial behavior of Universitas BPD Bank Jateng students. Using quantitative methods, data were collected via questionnaires and analyzed using multiple linear regression. The results show that financial literacy, financial attitude, lifestyle, and the use of PayLater each have a partial positive and significant effect on financial behavior. Simultaneously, these four variables also significantly influence financial behavior. This indicates that good financial understanding, disciplined attitudes, a controlled lifestyle, and wise use of PayLater collectively encourage more responsible and planned financial behavior among students.