The influence of financial literacy, financial technology, financial attitudes, and financial self-efficacy on the financial behavior of Generation Z

Lusiana Aryanti Marselien; Yola Andesta Valenty

Authors

Lusiana Aryanti Marselien Faculty of Economics and Social Sciences, Universitas Amikom Yogyakarta, Indonesia
Yola Andesta Valenty Faculty of Economics and Social Sciences, Universitas Amikom Yogyakarta, Indonesia

Keywords:

Financial Behavior, financial literacy, financial technology, financial attitude, Generasi Z

Abstract

This study aims to analyze the influence of financial literacy, financial technology, financial attitude, and financial self-efficacy on financial behavior among Generation Z in Jakarta. The population in this study is Generation Z residing in Jakarta with a total population of 2,678,252 people. The sampling technique used the Slovin formula with a margin of error of 10%,
resulting in data from 166 respondents via a questionnaire. The data was analyzed using the partial least squares structural
equation modeling (PLS-SEM) method with the assistance of SmartPLS 3.0 software. The results of the study indicate that all four independent variables have a positive and significant influence on financial behavior.

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