Financial Literacy, Mobile Banking Convenience, and Spending Attitudes among Working Millennials in General Santos City

Authors

Frances Marie C. Hutba

Graduate Studies, Mindanao State University - General Santos (Philippines)

Kerby P. Salise, CPA, MBM

Graduate Studies, Mindanao State University - General Santos (Philippines)

Article Information

DOI: 10.47772/IJRISS.2026.100500631

Subject Category: FINANCE

Volume/Issue: 10/5 | Page No: 9386-9398

Publication Timeline

Submitted: 2026-05-07

Accepted: 2026-05-12

Published: 2026-06-09

Abstract

The use of mobile banking has influenced how people save and spend their money. This study investigated the relationship between Financial Literacy (FL), Mobile Banking Convenience (MBC), and Spending Attitudes (SA) among working millennials in General Santos City. Using Cochran’s formula, the computed sample size of the study is 385 working millennials. To achieve the objectives of the study, the researcher employed a quantitative research design, specifically descriptive correlational research, which aims to determine the demographic trends of working millennials in General Santos City and to examine the relationships between FL and SA and MBC and SA.

Keywords

Financial Literacy, Mobile Banking Convenience, Spending Attitudes

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