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Tony Chandra
National Chengchi University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Linking Socialization to Behavior: The Mediating Impact of Financial and Digital Skills Among Generation Z Candy Candy; Ernestine Ernestine; Dewi Khornida Marheni; Tony Chandra
Jurnal Organisasi dan Manajemen Vol. 22 No. 1 (2026)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v22i1.13055.2026

Abstract

Purpose – This research aimed to examine the influence of financial socialization on behavior, with skills and digital knowledge acting as mediating variables among Generation Z. Methodology – A quantitative method was used by distributing an online questionnaire to 411 Generation Z respondents in Batam City. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. Findings – The results showed that financial socialization positively influenced behavior through skills and digital knowledge. Meanwhile, financial knowledge was not a significant mediator in the relationship. These emphasized the importance of developing practical and digital skills since education promoted real behavioral change among Generation Z. Originality – A better understanding of financial behavior was provided by incorporating digital knowledge and financial skills as key influencing factors in the context of the current landscape. This research was limited to a narrow age group and used convenience sampling, which affected generalization and offered useful insights for future analysis and education programs.
Co-Authors Candy Candy Ernestine Ernestine Marheni, Dewi Khornida