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All Journal Jurnal Akuntansi Kontemporer
Ulfa Puspa Wanti Widodo
upn "veteran" jatim
Economics, Econometrics & Finance

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GEN Z FINANCIAL BEHAVIOR: LITERACY, QRIS, SELF-CONTROL, TECHNO ANXIETY Wahyuni Eka Rahma; Ulfa Puspa Wanti Widodo
Jurnal Akuntansi Kontemporer Vol. 18 No. 3 (2026): Jurnal Akuntansi Kontemporer
Publisher : Widya Mandala Surabaya Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/jako.v18i3.8562

Abstract

Research Purposes This study analyzes how financial literacy, QRIS usage, and self-control influence the financial behavior of Generation Z in the cashless society era. It examines the moderating role of techno anxiety. Research Methods This study used an explanatory quantitative approach with PLS-SEM (SmartPLS 4). It surveyed 400 respondents selected using the Slovin formula, comprising Generation Z aged 18–25 years in Surabaya who had used QRIS within the past three months. Research Results and Findings The results show that financial literacy, QRIS usage, and self-control each significantly and positively influence financial behavior. Techno anxiety significantly moderates the influence of financial literacy and QRIS usage on financial behavior, but does not moderate the influence of self-control. The model demonstrates substantial explanatory power for financial behavior. These findings imply that techno anxiety at a functional level acts as a behavioral reinforcer rather than a barrier when combined with adequate financial literacy or QRIS usage. At the same time, self-control operates as an autonomous internal mechanism that remains unaffected by technology-related psychological pressure. This study's implications are relevant to designing digital financial literacy policies and payment ecosystems that promote more responsible financial management among Generation Z.
Co-Authors Wahyuni Eka Rahma