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Nadhila
Universitas Hayam Wuruk Perbanas, Daerah Istimewa Yogyakarta, Indonesia
Computer Science & IT Economics, Econometrics & Finance

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Analysis of the Relationship Between Financial Literacy, Financial Technology, and the Financial Well-Being of Generation Z Nadhila
Economy, Business, Finance, Accounting & Management Journal Vol. 2 No. 3 (2026): July: Economy, Business, Finance, Accounting & Management
Publisher : Yayasan Cinta Negara Indonesia

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Abstract

Financial literacy and financial technology have become two important factors influencing the financial well-being of Generation Z amid the rapid development of the digital economy. However, differences in financial knowledge and the intensity of financial technology utilization may produce varying impacts on individuals' financial well-being. This study aims to analyze the relationship between financial literacy, financial technology, and the financial well-being of Generation Z. The research employed a quantitative approach using a survey method involving Generation Z respondents selected through purposive sampling. Data were collected using a structured questionnaire and analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that financial literacy has a positive and significant effect on financial well-being. Financial technology also demonstrates a positive and significant relationship with financial well-being by facilitating more effective financial management. Simultaneously, financial literacy and financial technology contribute significantly to improving the financial well-being of Generation Z. Therefore, strengthening financial literacy and promoting the responsible use of financial technology are essential strategies for enhancing the financial well-being of Generation Z
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