Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Greenation International Journal of Tourism and Management
Mayaliza Mayaliza
Universitas Swadaya Gunung Jati, Cirebon, Indonesia
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The Influence of Digital Financial Literacy and E-Payment Adoption on Financial Inclusion with Financial Behavior as a Mediating Variable in Generation Z Indah Saputri; Mayaliza Mayaliza; Agustina Agustina
Greenation International Journal of Tourism and Management Vol. 4 No. 2 (2026): (GIJTM) Greenation International Journal of Tourism and Management (June - Augu
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijtm.v4i2.867

Abstract

The increasing development of digital financial technology has transformed financial access and behavior, particularly among younger generations who are highly engaged with digital financial services. In Indonesia, this transformation is also accompanied by efforts to expand financial inclusion  however, challenges remain due to uneven levels of financial literacy across society. This research intends to explore how Digital Financial Literacy and the use of E-Payment systems impact Financial Inclusion, with Financial Behavior acting as a mediating factor for Generation Z. The motivation for this study arises from the noticeable disparity betweens the high rate of financial inclusion (85. 10%) and the low level of financial literacy (49. 68%) observed in Indonesia. A quantitative methodology is employed, using an associative-causal framework and Structural Equations Models (SEM) based on Partial Least Squares (PLS), analyzed through SmartPLS with data from 422 respondents from Generation Z. Findings indicate that Digital Financial Literacy positively and significantly influences both Financial Behavior and Financial Inclusion. While E-Payment Adoption also positively and significantly impacts Financial Inclusion, it does not significantly affect Financial Behavior. Additionally, Financial Behavior does not significantly influence Financial Inclusion, meaning it does not mediate the effectss of the two independent variables on Financial Inclusion. Overall, the findings reveal that digital financial literacy and the adoption of electronic payments play a significant role in enhancing financial inclusion, yet financial behavior does not significantly mediate this connection.
The Influence of Fintech Payment and Financial Attitude on Financial Management Behavior: The Mediating Role of Self Control Among University Students FEB of Universitas Swadaya Gunung Jati Sayyidah Firdaus Bahir; Mayaliza Mayaliza; Benny Dhevyanto
Greenation International Journal of Tourism and Management Vol. 4 No. 2 (2026): (GIJTM) Greenation International Journal of Tourism and Management (June - Augu
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijtm.v4i2.907

Abstract

This study examines the influence of fintech payment and financial attitude on financial management behavior with self-control acting as a mediating variable among university studentss. The rapid development of financial technology has transformed the way individuals conduct financial transactions, particularly through digital payment systems such as e-wallets. This research employs a quantitative method using a survey approach. Data were collected from 387 studentss of the Faculty of Economics and Business at Universitas Swadaya Gunung Jati. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that fintech payment and financial attitude have a positive and significant influence on financial management behavior. Furthermore, self-control plays a significant mediating role in the relationship between fintech payment and financial attitude toward financial management behavior. These findings suggest that although financial technology offers convenience in financial transactions, self-control remains an important factor in supporting responsible financial behavior.
Co-Authors Agustina Agustina Benny Dhevyanto Indah Saputri Sayyidah Firdaus Bahir