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All Journal Journal Of Management, Economics, And Accounting Research International Journal of Applied Science and Technology Application
Maulidania Mediawati Cynthia
Politeknik Lembaga Pendidikan dan Pengembangan Profesi Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Peran Financial Technology Adoption dalam Meningkatkan Perilaku Menabung Generasi Z Eka Pandu Cynthia; Maulidania Mediawati Cynthia; Dessy Nia Cynthia
Journal of Management, Economics, and Accounting Research Vol. 1 No. 2 (2026): March 2026
Publisher : CV. Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/jomear.v1i2.103

Abstract

Perkembangan Financial Technology (FinTech) telah mengubah cara masyarakat, khususnya Generasi Z, dalam mengakses dan mengelola layanan keuangan. Kemudahan penggunaan aplikasi keuangan digital, seperti dompet digital, mobile banking, dan platform tabungan digital, memberikan peluang untuk membentuk perilaku keuangan yang lebih baik, termasuk kebiasaan menabung. Penelitian ini bertujuan untuk menganalisis peran Financial Technology Adoption dalam meningkatkan perilaku menabung Generasi Z. Penelitian menggunakan pendekatan kuantitatif dengan metode eksplanatori. Data dikumpulkan melalui penyebaran kuesioner kepada 150 responden Generasi Z yang aktif menggunakan layanan Financial Technology dan dianalisis menggunakan metode Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa adopsi Financial Technology berpengaruh positif dan signifikan terhadap perilaku menabung Generasi Z. Kemudahan akses, persepsi manfaat, keamanan transaksi, serta fitur pengelolaan keuangan yang tersedia pada aplikasi Financial Technology mampu mendorong kebiasaan menabung secara lebih terencana dan berkelanjutan. Temuan penelitian ini memberikan implikasi bahwa pengembangan layanan Financial Technology yang didukung dengan peningkatan literasi keuangan digital dapat menjadi strategi yang efektif dalam membangun perilaku keuangan yang sehat di kalangan Generasi Z.
K-Means Clustering for Market Basket Data Segmentation Eka Pandu Cynthia; Maulidania Mediawati Cynthia; Dessy Nia Cynthia
International Journal of Applied Science and Technology Application Vol. 1 No. 1 (2026): March 2026
Publisher : Raskha Media Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/ijapset.v1i1.4

Abstract

The rapid growth of retail transaction data has created new opportunities for businesses to analyze customer purchasing behavior and improve decision-making strategies. Market basket data contains valuable information about product combinations purchased together within a single transaction, which can reveal hidden patterns of consumer behavior. This study aims to apply the K-Means clustering algorithm to segment market basket transaction data based on similarities in purchasing patterns. The research method involves several stages, including data preprocessing, transformation of transaction data into a binary feature matrix, determination of the optimal number of clusters, and clustering analysis using the K-Means algorithm. The results show that the clustering process successfully groups transactions into several clusters representing different purchasing characteristics. Each cluster reflects distinct consumer behavior patterns such as routine household purchases, breakfast-related items, snack-oriented transactions, and fresh product selections. These findings demonstrate that K-Means clustering can effectively identify meaningful patterns within market basket datasets. The clustering results provide useful insights that can support retail strategies such as targeted promotions, product bundling, store layout optimization, and inventory management. Overall, the application of clustering techniques in market basket analysis contributes to improving data-driven decision-making and enhancing the understanding of customer purchasing behavior in retail environments.
Co-Authors Dessy Nia Cynthia Eka Pandu Cynthia Eka Pandu Cynthia