http://firstcierapublisher.com/index.php/reflection/issue/feed 2025-03-02T08:08:30+00:00 Open Journal Systems <p><strong>Reflection: Education and Pedagogical Insights</strong> (Online ISSN: 2988-3636; Print ISSN: 2988-4659) is a scientific publication that aims to provide understanding and insight into the field of education and pedagogy through reflection or introspection on existing experiences, practices, and knowledge. This journal contains articles covering various themes and topics related to education and pedagogy, such as teaching strategies, curriculum, learning evaluation, technology in education, teacher performance, teacher human resource, general education, specific education, science education, early childhood, elementary, middle and high school teacher education, and so on, with a focus on reflection and deep understanding. Articles are published every January, April, July, and October.</p> http://firstcierapublisher.com/index.php/reflection/article/view/113 2025-03-02T08:08:30+00:00 Nicholas Renaldo nicholasrenaldo@lecturer.pelitaindonesia.ac.id Achmad Tavip Junaedi achmad.tavip.junaedi@lecturer.pelitaindonesia.ac.id Amries Rusli Tanjung amries.rusli@lecturer.pelitaindonesia.ac.id Yvonne Augustine yvonne.augustine@trisakti.ac.id Suhardjo Suhardjo suhardjo@lecturer.pelitaindonesia.ac.id Sulaiman Musa sulaiman.musa@gmail.com Cecilia Cecilia cecilia@gmail.com

<p>This research analyzes the impact of FinTech Implementation on the digital financial understanding of accounting students in Southeast Asia. Novelty of this research is to develop a new measurement by adding 3 new dimensions to the Financial Technology Implementation variable and 2 new dimensions to Digital Finance Understanding variable. This research used Technology Acceptance Model (TAM) approach. This study employs a quantitative approach with qualitative support, using PLS-SEM as the primary analytical method. The quantitative approach is used to analyze relationships between variables, while the qualitative method provides deeper insights into students' experiences with FinTech adoption. Population in this study are accounting students in Southeast Asia, particularly in Indonesia, Malaysia, Singapore, Thailand, Brunei Darussalam, and Philippines. Purposive sampling is used to select students from universities with accounting programs and targets 320 respondents. The implementation of Financial Technology (FinTech) significantly enhances Digital Financial Understanding (DFU) by improving financial literacy, accessibility, and user engagement with digital financial services. FinTech platforms, such as digital banking apps, investment platforms, and robo-advisors, provide real-time financial insights, interactive financial tools, and educational resources. The dimensions that are novelty in this study, namely Adoption Intention (X5), Actual Usage (X6), Regulatory Awareness (X7), Digital Financial Behavior (Y4), Regulatory and Consumer Protection Awareness (Y5) have been successfully measured well and become variables that support expansion tests. Future research should examine how FinTech engagement influences financial understanding over an extended period.</p>

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