The Influence of Financial Technology, Financial Literacy, Financial Attitude and Lifestyle On The Financial Behavior of Generation Z in DKI Jakarta
DOI:
https://doi.org/10.38035/snefr.v2i2.1166Keywords:
Financial Technology, Financial Literacy, Financial Attitude, Lifestyle, Financial BehaviorAbstract
This study aims to analyze the influence of Financial Technology, Financial Literacy,
Financial Attitude, and Lifestyle on the Financial Behavior of Generation Z in DKI Jakarta.
The rapid expansion of digital financial services, combined with the still-limited financial
literacy of Generation Z, raises concerns about consumptive spending patterns and rising bad
credit exposure among young adults. A quantitative associative-causal approach was
employed, in which primary data were collected through an online questionnaire distributed
to 120 Generation Z respondents selected through purposive sampling. Data were analyzed
using Partial Least Squares Structural Equation Modeling (SEM-PLS) with SmartPLS 4
software. The results show that Financial Technology, Financial Literacy, and Financial
Attitude each have a positive and significant effect on Financial Behavior, whereas Lifestyle
has no significant effect. The model explains 53.7 percent of the variance in Financial
Behavior. These findings support the Theory of Planned Behavior in explaining the financial
behavior of the younger generation and offer practical input for Generation Z, fintech
providers, and educational institutions seeking to strengthen financial literacy and responsible
money management.
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