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All Journal Journal of Management - Small and Medium Enterprises (SME's)
Maiyaliza Maiyaliza
Department of Management, Faculty of Economics and Business, University of Swadaya Gunung Jati
Economics, Econometrics & Finance

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The influence of financial literacy and fintech payment behavior on healthy financial management behavior the mediating role of financial self-control among generation Z Srikandi Pratama Agni Putri; Maiyaliza Maiyaliza
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.27836

Abstract

This study examines the influence of financial literacy and fintech payment behavior on healthy financial management behavior among Generation Z students, with financial self-control as a mediating variable. A quantitative approach was employed using a survey of 384 students in Cirebon. Data were analyzed using structural equation modeling to test the relationships between variables. The findings indicate that financial literacy and fintech payment behavior significantly influence healthy financial management behavior. Furthermore, financial self-control plays a crucial mediating role in strengthening these relationships. These results suggest that improving financial literacy and self-regulation are essential for developing responsible financial behavior. However, this study is limited to a specific geographic area, which may affect the generalizability of the results. Future research should expand the scope to diverse regions and include longitudinal data to better capture behavioral changes over time. Educational institutions and fintech providers should collaborate to promote financial education programs. Keywords: Financial Literacy; Fintech Payment Behavior; Generation Z; Financial Management Behavior; Financial Self-Control
The influence of fintech, financial literacy, and lifestyle on the investment of the younger generation Moch. Ilham Nugraha Irawan; Maiyaliza Maiyaliza; Benny Dhevyanto
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 3 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i3.28063

Abstract

Advances in digital technology have transformed how the younger generation approaches financial management and investment decision-making. This study aims to examine the influence of financial technology (fintech), financial literacy, and lifestyle on the investment decisions of the younger generation. The research adopts a quantitative approach and is conducted among students of Swadaya Gunung Jati University in Cirebon who are investors in GIBEI UGJ. Primary data are collected through a structured questionnaire and analyzed using SPSS version 27, including tests of validity, reliability, and classical assumptions, followed by multiple regression analysis. The findings indicate that financial technology and lifestyle exert a significant influence on investment decisions among the younger generation. In contrast, financial literacy does not show a significant effect in this context. These results suggest that ease of access, interactive features, and the prevailing digital lifestyle encourage greater investment participation, even when financial understanding is limited. Accordingly, fintech service providers are expected to balance transactional convenience with enhanced financial education, while educational institutions should strengthen financial literacy through more practical approaches to support more rational and sustainable investment decision-making among the younger generation. Keywords: Fintech; Financial Literacy; Lifestyle; Investment Decisions; Younger Generation
Co-Authors Benny Dhevyanto Moch. Ilham Nugraha Irawan Srikandi Pratama Agni Putri