Rendika Vhalery There is a lot of research on pocket money management and the use of fintech applications. However, not many factors that affect the management of pocket money and the use of fintech applications come from psychological factors. This study examines the factors that influence the management of pocket money and the use of fintech applications from psychological factors such as self-reward and self-punishment. With the formulation and research objectives to determine whether there

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... s an effect of self-reward on pocket money management?, is there an effect of self-punishment on pocket money management?, is there an effect of self-reward and self-punishment on pocket money management? the use of fintech applications?, is there an effect of self-punishment on the use of fintech applications?, is there an effect of self-reward and self-punishment on the use of fintech applications?. This research is quantitative with the type of associative research. The population and sample are Unindra students, totaling 103 students. Data was collected through an online questionnaire via google form with a scale of 1 -7 which was processed using a multiple linear regression formula with two equations. The results show that there is an effect of self-reward on pocket money management, there is an effect of self-punishment on pocket money management, there is an effect of self-reward and self-punishment on pocket money management, there is a self-reward effect on the use of fintech applications, there is a self-reward effect. -punishment on the use of fintech applications, there is an effect of self-reward and self-punishment on the use of fintech applications.. Universitas Indraprasta PGRI Jakarta Abstrak Ada banyak penelitian tentang pengelolaan uang saku dan penggunaan aplikasi fintech. Namun, tidak banyak faktor yang mempengaruhi pengelolaan uang saku dan penggunaan aplikasi fintech berasal dari faktor psikologi. Penelitian ini mencoba faktor yang mempengaruhi pengelolaan uang saku dan penggunaan aplikasi fintech dari faktor psikologi seperti self-reward dan self-punishment. Dengan rumusan dan tujuan penelitian untuk mengetahui adakah pengaruh self-reward pada pengelolaan uang saku?, adakah pengaruh selfpunishment pada pengelolaan uang saku?, adakah pengaruh self-reward dan self-punishment pada pengelolaan uang saku?, adakah pengaruh self-reward pada penggunaan aplikasi fintech?, adakah pengaruh self-punishment pada penggunaan aplikasi fintech?, adakah pengaruh selfreward dan self-punishment pada penggunaan aplikasi fintech?. Penelitian ini adalah kuantitatif dengan jenis penelitian asosiatif. Populasi dan sampel adalah mahasiswa unindra yang berjumlah 103 mahasiswa. Data dikumpulkan melalui kuesioner online via google form dengan skala 1 -7 yang diolah menggunakan rumus regresi linear berganda dengan dua persamaan. Hasil menunjukkan bahwa ada pengaruh self-reward pada pengelolaan uang saku, ada pengaruh self-punishment pada pengelolaan uang saku, ada pengaruh self-reward dan selfpunishment pada pengelolaan uang saku, ada pengaruh self-reward pada penggunaan aplikasi fintech, ada pengaruh self-punishment pada penggunaan aplikasi fintech, ada pengaruh selfreward dan self-punishment pada penggunaan aplikasi fintech.