Perilaku keuangan Generasi Z: Peran penerapan financial technology, literasi keuangan, dan efikasi diri
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Abstract
This study analyzes the influence of Financial Literacy, Financial Technology, and Financial Self-Efficacy on Financial Behavior among Generation Z. As a digital generation, Generation Z increasingly relies on fintech solutions for financial transactions and management. A quantitative method is employed through an online survey with 218 respondents from Generation Z. Data is analyzed using Partial Least Square (PLS) with SmartPLS software. The study shows that Financial Literacy has the strongest impact on financial behavior. Financial Technology and Financial Self-Efficacy also show significant impacts. The study concludes that enhancing financial literacy and integrating fintech can improve financial behavior. The findings contribute to understanding the financial behavior of Generation Z and highlight the need for targeted financial education programs.
Penelitian ini menganalisis pengaruh Literasi Keuangan, Teknologi Keuangan, dan Efikasi Diri Keuangan terhadap Perilaku Keuangan di kalangan Generasi Z. Generasi Z sebagai generasi digital, mereka semakin mengandalkan solusi fintech untuk transaksi dan pengelolaan keuangan. Metode kuantiatif digunakan dengan survei daring bagi 218 responden dari Generasi Z. Data dianalisis menggunakan Partial Least Square (PLS) dengan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa Literasi Keuangan memiliki pengaruh yang paling kuat terhadap perilaku keuangan. Teknologi Keuangan dan Efikasi Diri Keuangan juga menunjukkan pengaruh yang signifikan. Penelitian ini menyarankan bahwa peningkatan literasi keuangan dan integrasi fintech dapat meningkatkan perilaku keuangan. Temuan ini berkontribusi pada pemahaman perilaku keuangan Generasi Z dan menunjukkan perlunya program edukasi keuangan yang terarah.
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