Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Tessa Dwi Nainggolan
Universitas Bina Bangsa
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
HEDONIC LIFESTYLE DAN PENGGUNAAN E-WALLET TERHADAP KEPUTUSAN KEUANGAN GEN Z DI KOTA CILEGON Tessa Dwi Nainggolan; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.201

Abstract

The hedonic lifestyle phenomenon and widespread e-wallet use among Generation Z in Cilegon City can shift daily financial decisions toward less rational patterns. This study analyzes the influence of Hedonic Lifestyle and e-wallet usage on Generation Z's financial decisions, partially and simultaneously. This study used a quantitative survey method involving 117 Generation Z respondents in Cilegon City, selected through accidental sampling. Data were collected using a validated, reliable Likert-scale instrument, then analyzed using multiple linear regression with IBM SPSS Statistics. The results show that Hedonic Lifestyle has a positive, significant effect on financial decisions (t = 10.497; sig. < 0.001), as does e-wallet usage (t = 2.538; sig. = 0.013). Together, both variables significantly affect financial decisions (F = 66.389) and explain 53.8% of their variation. These findings confirm that hedonic lifestyle and easy digital transactions are important factors in Generation Z's financial management in Cilegon City. The higher the hedonic tendency and the more intensive the e-wallet usage, the greater their influence on daily financial decisions. This study is expected to contribute theoretically to research on young generations' financial behavior in the digital era, and practically to Generation Z, e-wallet providers, and policymakers designing financial literacy education
Co-Authors Pramudi Harsono Surti Zahra