Tri Tafrijiyyah
Universitas Sains dan Teknologi Komputer

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Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z di Kota Semarang Tri Tafrijiyyah; Vivi Kumalasari Subroto
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 19 No 1 (2026): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v19i1.3456

Abstract

The rapid development of financial technology, combined with varying levels of financial literacy, is a crucial factor influencing the financial behavior of Generation Z. This study aims to examine the effect of financial technology and financial literacy on the financial behavior of Generation Z in Semarang City. A quantitative approach was employed, using a survey method involving 397 Generation Z respondents selected through purposive sampling. Data were collected via questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial technology and financial literacy have a positive and significant effect on the financial behavior of Generation Z in Semarang City. These findings suggest that the utilization of technology-based financial services, supported by adequate financial literacy, contributes to fostering more responsible financial behavior. Therefore, efforts to enhance financial literacy and the proper use of financial technology should continue to be promoted among Generation Z.