| Title: | The Impact of Fintech Service Use Behavior on Quality of Life: Perspectives from University Students in Jinan, Shandong Province, China |
| Author: | Li Jingmin |
| Advisor: | Assoc. Prof. Dr. Qiu Chao |
| Degree: | Master of Business Administration |
| Major: | International Business Management |
| Faculty: | บัณฑิตวิทยาลัย (Graduate School) |
| Academic year: | 2568 (2025) |
| Published: | นำเสนอในที่ประชุมวิชาการ (Conference) The 1st Thailand-Sino International Conference and The 17th National and International Academic Conference “New Quality Productive Forces and Sustainable Innovation” 14-16 November 2024 (pp.858-866) Click PDF |
Abstract
The proliferation of financial technology (FinTech) services has revolutionized financial behaviors, particularly among tech-savvy university students in China. Despite FinTech’s potential to enhance transactional efficiency and lifestyle convenience, its dual impact on quality of life—balancing benefits like financial inclusion against risks such as impulsive spending and debt accumulation—remains underexplored. This study aims to examine how FinTech service usage behavior—measured through usage frequency of FinTech services, convenience of mobile payment usage, level of usage of digital financial tools, and personal financial management ability—influences the quality of life of university students in Jinan, Shandong Province, China. By exploring the nuanced relationship between FinTech adoption and subjective well-being, this research seeks to bridge gaps in understanding how FinTech can both enhance and potentially undermine students’ lifestyles. A quantitative methodology was employed, utilizing online surveys to collect data from 400 undergraduates across five public universities. Results from descriptive and correlation analyses revealed significant positive associations between FinTech usage variables and dimensions of quality of life, including financial well-being and stress reduction. However, overreliance on FinTech correlated with sporadic financial risks, highlighting the need for balanced usage. The findings offer insights for policymakers and educators to foster responsible adoption while mitigating risks, thereby contributing to the broader discourse on FinTech’s role in shaping socio-economic dynamics at the micro-individual level.
Keywords: FinTech services, quality of life, university students, digital finance, financial behavior, mobile payments
6617195417 Li Jingmin, 2568 (2025). Advisor: Assoc. Prof. Dr. Qiu Chao, สารนิพนธ์ (Independent Study), The Impact of Fintech Service Use Behavior on Quality of Life: Perspectives from University Students in Jinan, Shandong Province, China, นำเสนอในที่ประชุมวิชาการ (Conference), The 17th National and International Academic Conference 2024, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration, International Business Management, Siam University, Bangkok, Thailand
