38 CHAPTER V DISCUSSIONS/CONCLUSIONS 5.1 Conclusion This research goal is to explore the relationship between financial literacy, materialistic attitudes, and consumer financial behavior in Indonesia, with the focus on exploring role of demographic factors and the impact of digital financing tools. The findings provide a complete understanding of the dynamics and their effect for consumer financial in decision-making. The analysis tells that financial literacy significantly impacts consumer financial decision-making in Indonesia. Consumers with higher financial literacy proven have better financial behavior, including more effective budgeting, saving, and investing. This finding emphasizes the critical role that financial knowledge have role in equipping individuals to make educated and responsible financial decisions, in results enhancing their financial well- being While the research also hypothesized that materialism would negatively influence financial behavior, the data collected from the survey tells a more complex relationship. Even though there was a potential of a negative relationship between materialism and financial behavior, the results were not statistically significant. This suggests that while materialistic attitudes may impact financial behavior, other factors like cultural or psychological do play a more significant role in shaping these behaviors among Indonesian consumers Findings from the data indicated that demographic factors such as age, education level, and income are significantly shaping the relationship between financial literacy and financial behavior. Spesifically, the positive effects of financial of financial literacy on financial behavior were more seen among younger consumers and those with higher education levels. This proving the importance of tailoring financial education programs to different demographic groups to maximize the effectiveness of the program. The study also found that while there is a negative relationship between financial literacy and materialistic attitudes, the relationship between those two was not statistically significant. This tells that improving financial literacy alone may not be enough to reduce materialistic attitudes among Indonesian consumers. Additional effort that addresses cultural and social influences may be required to effectively address materialism. 39 The survey revealed that a higher level of financial literacy and good financial behavior were associated with the use of digital financial tools. Those consumers who often make transactions in mobile banking applications, visit websites on financial education, and more widely use other digital platforms, probably have a higher level of financial literacy, and lead a more responsible way of making financial decisions. This finding proves the potential that exists within digital tools to be an effective means of enhancing financial literacy and encouraging good financial management practices.