  This study aims to analyze the impact of financial literacy, social capital
and financial technology on financial inclusion. The research method used a
quantitative research method, in which questionnaires were distributed to 100
active students in the economics faculty at 7 private colleges in Tangerang,
Indonesia. Based on the results of data processing using SPSS version 23, it
results that financial literacy, social capital and financial technology
partially have a positive and significant influence on financial inclusion. The
results of this study provide input that financial literacy needs to be
increased because it is not yet equivalent to financial inclusion, and reducing
the gap between financial literacy and financial inclusion is only 2.74%.
Another benefit of this research is to give an understanding to students that
students should be independent actors or users of financial technology products
and that students should become pioneers in delivering financial knowledge,
financial behavior and financial attitudes to the wider community.
