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All Journal Multidisciplinary Journal of Education, Economic and Culture
Agatha Helena Deze
Sekolah Tinggi Ilmu Ekonomi Oemathonis
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Influence of Financial Literacy, Financial Technology, and Financial Behavior on the Quality of Financial Management Among Generation Z Tri Suris Lestari; Agatha Helena Deze; Christiana Wahyuningrum
Multidisciplinary Journal of Education , Economic and Culture Vol. 4 No. 2 (2026): September 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/nbz6vj22

Abstract

This study aims to analyze the influence of financial literacy, financial technology, and financial behavior on the quality of financial management among Generation Z. The research uses a quantitative approach with a survey method. Data were collected through structured questionnaires distributed to 80 students at the School of Economics Oemathonis, selected using the Slovin formula. The data were analyzed using multiple linear regression with SPSS. The results show that financial literacy has a positive and significant effect on financial management quality, indicating that higher knowledge improves financial decision-making. Financial technology also has a significant positive influence, suggesting that digital financial tools enhance efficiency and control in managing finances. Furthermore, financial behavior significantly affects financial management quality, meaning that disciplined financial habits lead to better outcomes. Simultaneously, all independent variables contribute significantly to improving financial management quality. These findings highlight the importance of integrating knowledge, technology, and behavior in strengthening financial management among Generation Z.
Co-Authors Christiana Wahyuningrum Tri Suris Lestari