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All Journal JURNAL MANAJEMEN MOTIVASI
Hanif nugroho, Mohammad
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis Influence Fintech Payment and Financial Literacy Management Finance with Behavior Consumptiveness and Self-Efficacy as Variables Mediation in Gen Z Regency Jepara Hanif nugroho, Mohammad; Anna Widiastuti; ali
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8761

Abstract

This study analyzes the effect of fintech payments and financial literacy on financial management, with consumptive behavior and self-efficacy as mediating variables among Generation Z in Jepara Regency. Using a quantitative survey approach, data were collected from 145 Generation Z respondents aged 17–27 years who had used fintech payment services. Data were analyzed using SEM-PLS with SmartPLS 3.29. The results show that fintech payments affect consumptive behavior and self-efficacy but not financial management directly. Financial literacy affects financial management and consumptive behavior. Consumptive behavior and self-efficacy mediate the effect of fintech payments on financial management. Keywords: Fintech payment; financial literacy; financial management; consumptive behavior; self-efficacy; Generation Z
Co-Authors Ali Anna Widiastuti