Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
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This Author published in this journals
All Journal Indonesian Journal of Economics and Strategic Management
Bintang Afif Ardhianto Ardhianto
Universitas Bhayangkara Jakarta Raya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Financial Technology, Socioeconomic Status, and Lifestyle on Financial Behavior of Generation Z in Bekasi City and Bekasi Regency Bintang Afif Ardhianto Ardhianto; Bayu Seno Pitoyo; Milda Handayani
IJESM Indonesian Journal of Economics and Strategic Management Vol. 4 No. 3 (2026): September
Publisher : Draf Solusi Indonesia

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Abstract

This study aims to analyze the influence of Financial Technology, socioeconomic status, and lifestyle on the financial behavior of Generation Z in Bekasi City and Bekasi Regency. This research employed a quantitative approach with a causal associative research design involving 100 Generation Z respondents selected through accidental sampling. Data were collected using a Likert-scale questionnaire during the 2026 research period and analyzed using multiple linear regression with SPSS version 26. The findings indicate that Financial Technology and socioeconomic status have a positive and significant influence on financial behavior, while lifestyle does not have a significant influence. Simultaneously, the three independent variables significantly affect financial behavior, with the model explaining 53.6% of the variance in financial behavior. These findings highlight the importance of utilizing financial technology and improving socioeconomic conditions to enhance the financial behavior of Generation Z. Keywords: Financial Technology, Socioeconomic Status, Lifestyle, Financial Behavior, Generation Z.
Co-Authors Handayani, Milda Pitoyo, Bayu Seno