Abstract
The study intends to measure the effect of using fintech and lifestyle on consumptive behavior. This study uses a survey method design with a quantitative technique to conduct correlation research. 78 high-school economics teachers participated in this study, and the population and the number of samples were determined using purposive sampling. The data were obtained using a questionnaire given directly. The data analysis technique uses IBM Statistics version 25 software. The T-test shows that the usage of fintech partially has a positive and significant impact on consumer behavior. Partially, lifestyle has no significant effect on consumptive behavior. Simultaneous testing explains that the use of fintech and lifestyle has a significant influence on consumptive behavior as evidenced by the F-test. The R-Square value for the F-test results was 0.128.
 Keywords: use of fintech, lifestyle, consumptive behavior
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