<![CDATA[This study examines how financial literacy, financial experience, and financial attitude shape the financial well-being of Generation Z in Bali, with financial behavior positioned as a mediating variable. The issue is relevant because young adults increasingly access digital financial services while their ability to convert financial access into responsible behavior remains uneven. A quantitative explanatory design was applied to 156 Generation Z respondents domiciled in Bali and selected using purposive sampling. Data were collected through a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling. The results show that financial literacy, financial experience, and financial attitude have positive and significant effects on financial behavior and financial well-being. Financial behavior also has a positive and significant effect on financial well-being and mediates the effects of literacy, experience, and attitude. The model explains 82.0 percent of financial behavior and 90.1 percent of financial well-being, with predictive relevance of 0.982. These findings confirm that knowledge, experience, and attitude generate stronger welfare outcomes when expressed through budgeting, saving, debt control, and long-term planning. The study contributes to behavioral finance literature by explaining the behavioral mechanism behind financial well-being among digitally exposed young adults in a tourism-dependent regional economy.]]>
