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All Journal Penamas: Journal of Community Service Journal of Accounting and Finance Management (JAFM)
Wijaya, Joshua
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Other

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Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya Kurniawan, Abraham Ivan; Morgan Gemiartha, Celine; Edbert Sudarsono, Jethson; Wijaya, Joshua; Adeline Yusuf, Keona; Linawati, Nanik
Journal of Accounting and Finance Management Vol. 6 No. 2 (2025): Journal of Accounting and Finance Management (May - June 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i2.1915

Abstract

The study titled "Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya" examines the influence of digital financial literacy comprising financial knowledge, financial behavior, and financial attitude on the interest in adopting digital banking services among Generation Z in Surabaya. A quantitative research method was employed using a survey approach. The respondents consisted of 115 individuals aged 18–28 years in Surabaya, selected through purposive sampling. Data were collected via online questionnaires and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with SmartPLS. The results indicate that financial behavior and financial attitude significantly influence the interest in using digital banking, while financial knowledge shows no significant effect. These findings offer valuable insights for digital banking service providers to tailor strategies that align with the financial behavior and preferences of young users.
Meningkatkan kesadaran finansial generasi muda melalui pelatihan literasi keuangan di sekolah menengah atas Gosal, Joe Valentino; Wijaya, Joshua; Yosia, Clarence; Linawati, Nanik
Penamas: Journal of Community Service Vol. 5 No. 2 (2025): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v5i2.1782

Abstract

This community service initiative aimed to enhance financial awareness among high school students at SMAK Petra 2 Surabaya by implementing comprehensive and interactive financial literacy training. The program utilized a service-learning approach integrating active academic learning with community engagement. The activities included interactive lectures, group discussions, a personal financial goal-setting workshop, a digital quiz competition, basic investment education, and an educational card game titled “Stock Quartet.” These components introduced key financial concepts such as budgeting, saving, and investing in an accessible and engaging way. The digital quiz measured students’ comprehension, while the game reinforced stock market understanding in a fun context. Data were collected using the STARS method, direct observation, quiz scores, and analysis of student financial plans. The results showed increased financial literacy, improved savings behavior, and greater student awareness of the importance of early financial planning. This approach effectively cultivated a healthy financial mindset, empowered students to make informed financial decisions, and encouraged long-term financial responsibility. The outcomes indicate that practical and enjoyable financial education can be critical in developing financially literate youth prepared to face future economic challenges.
Co-Authors Adeline Yusuf, Keona Edbert Sudarsono, Jethson Gosal, Joe Valentino Kurniawan, Abraham Ivan Morgan Gemiartha, Celine Nanik Linawati Yosia, Clarence