Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z di Kota Semarang
DOI:
https://doi.org/10.51903/e-bisnis.v19i1.3456Keywords:
Financial Technology; Financial Literacy; Financial Behavior; Generation Z; Semarang CityAbstract
The swift expansion of digital financial services has reshaped how Generation Z manages personal finances. Although financial technology adoption continues to increase, differences in financial literacy may limit its effectiveness in promoting responsible financial behavior. This research analyzes both the individual and combined effects of financial technology usage and financial literacy on the financial behavior of Generation Z in Semarang City, Indonesia. A quantitative survey was conducted involving 397 respondents selected through purposive sampling. Data were analyzed using multiple linear regression to assess the relationships among variables. The results show that both financial technology usage and financial literacy have positive and statistically significant effects on financial behavior, both individually and jointly. Financial literacy exerts a relatively stronger influence, indicating that access to digital financial services alone is insufficient to ensure prudent financial management. The model explains a substantial proportion of the variance in financial behavior. These findings emphasize the importance of integrating financial knowledge with digital financial access to foster responsible and sustainable financial practices among young adults
References
Ajzen, Icek. 1991. “The Theory of Planned Behavior.” Organizational Behavior and Human Decision Processes 50(2):179–211. doi:10.1016/0749-5978(91)90020-T.
Angelyna, Chyntia, and Tannia Tannia. 2025. “Literasi Keuangan Terhadap Perilaku Menabung Gen Z, Dengan Moderasi Pengaruh Sosial.” Business Management Journal 21(1):85. doi:10.30813/bmj.v21i1.8142.
Arner, Douglas W., Janos Nathan Barberis, and Ross P. Buckley. 2015. “The Evolution of Fintech: A New Post-Crisis Paradigm?” SSRN Electronic Journal. doi:10.2139/ssrn.2676553.
Davis, Fred D. 1989. “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology.” MIS Quarterly 13(3):319–40.
Junanda, Indri Amelia, Widia Febriana, Baiq Dinna Widiyasti, Restu Alpiansah, and Baiq Nadia Nirwana. 2025. “Pengaruh Literasi Keuangan, Sikap Keuangan, Dan Fintech Payment Terhadap Perilaku Menabung Generasi Z.” RIGGS: Journal of Artificial Intelligence and Digital Business 4(2):1400–1405. doi:10.31004/riggs.v4i2.677.
Lusardi, Annamaria, and Olivia S. Mitchell. 2013. “The Economic Importance of Financial Literacy.” Journal of Economic Literature 52(1):65.
Mukti, Vionita Winda, Risal Rinofah, Ratih Kusumawardhan. 2022. “Volume . 19 Issue 1 ( 2022 ) Pages 52-58 AKUNTABEL : Jurnal Akuntansi Dan Keuangan ISSN : 0216-7743 ( Print ) 2528-1135 ( Online ) Pengaruh Fintech Payment Dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Mahasiswa The Influence of Fintech Payme.” Jurnal Emas 5(1):310–24. doi:10.29264/jakt.v19i1.10389.
OECD. 2018. “Oecd / Infe Toolkit for Measuring Financial Literacy And.” OECD Publishing (May):1–53. chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.oecd.org/financial/education/2022-INFE-Toolkit-Measuring-Finlit-Financial-Inclusion.pdf.
Rahmawati, Yulia, Rendra Gumilar, and Sri Hardianti Sartika. 2025. “Pengaruh Literasi Keuangan Dan Penggunaan Teknologi Finansial (Fintech) Terhadap Perilaku Konsumtif Pada Generasi Z.” Jurnal Akademik Ekonomi Dan Manajemena 2(3):705–13.
Xiao, Jing Jian. 2008. “Applying Behavior Theories to Financial Behavior.” Handbook of Consumer Finance Research 69–81. doi:10.1007/978-0-387-75734-6_5.
Yudasella, Ighfa Fahira, and Astrie Krisnawati. 2019. “Jurnal Mitra Manajemen ( JMM Online ).” 3(6):674–87.
