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All Journal JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Ayu Widia
Universitas Teknologi Digital
Economics, Econometrics & Finance

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PENGARUH FINANCIAL TECHNOLOGY TERHADAP PERILAKU PENGELOLAAN KEUANGAN PADA GENERASI Z DI ERA DIGITAL Ayu Widia; Vina Anggilia Puspita
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 2 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i2.307

Abstract

In the digital era 59.4% of Generation Z experience expenditures exceeding their income, and finance is the primary source of stress for 48% of them. This associative quantitative research aims to describe Financial Technology (Fintech) usage and financial management behavior among Generation Z in Bandung, as well as analyze the influence between both variables. A sample of 100 respondents was selected using purposive sampling. Data were collected via questionnaires and analyzed using simple linear regression, correlation test, coefficient of determination (­­), and hypothesis testing (t-test) via IBM SPSS Statistics. The results show that Fintech usage is in the very good category (dominated by e-wallets and m-banking), and financial management behavior is in the good category, although saving consistency and budgeting still need improvement. Fintech has a positive and significant effect on Generation Z's financial management behavior, contributing 40.8% (p < 0.05). Better Fintech usage leads to better financial management behavior among Generation Z.
Co-Authors Vina Anggilia Puspita