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All Journal Agregat: Jurnal Ekonomi dan Bisnis Jurnal Ulul Albab Jurnal Ilmu Administrasi Publik (JIAP) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JISIP: Jurnal Ilmu Sosial dan Pendidikan JUPE : Jurnal Pendidikan Mandala Jurnal Mantik Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Abdi Masyarakat Jurnal PADMA: Pengabdian Dharma Masyarakat Jurnal Abdimas Sangkabira Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Akuntansi Bisnis & Manajemen (ABM) Jurnal of Applied Business and Banking (JABB) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT JAMIN Journal of Community Empowerment Review: Journal of Multidisciplinary in Social Sciences International Journal of Halal System and Sustainability JER Jurnal Akuntansi Keuangan Dan Perpajakan Advance Sustainable Science, Engineering and Technology (ASSET) IJBAE Oikonomia : Journal of Management Economics and Accounting
Ningsih, Nurul Hidayati Indra
Universitas Muhammadiayah Mataram
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Digital Financial Literacy and Digital Payment Behavior Among Millennials and Generation Z Nurul Hidayati Indra Ningsih; Baiq Reinelda Tri Yunarni; Erwin Asidah
Agregat: Jurnal Ekonomi dan Bisnis Vol. 10 No. 1 (2026)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol10.i1/23299

Abstract

This study aims to analyze the influence of digital financial literacy on the behavior of using digital payment methods among Millennials and Generation Z in Mataram City. The background of this research is based on the growing use of digital financial services in Indonesia and the importance of financial literacy in supporting sound financial decision-making. A quantitative approach was employed through a survey method involving 100 respondents consisting of Millennials and Gen Z, using simple linear regression analysis and independent t-tests. The results revealed that digital financial literacy has a significant effect on digital payment behavior. However, the study also found a gap between high literacy levels and suboptimal actual behavior. The implications of this study highlight the need for financial literacy education programs tailored to generational characteristics and local contexts to foster sustainable financial inclusion
Artificial Intelligence in Personalized Marketing: Strategies for Enhancing Consumer Engagement Syaharuddin; Nur Fitri Hidayanti; Dedy Iswanto; Nurul Hidayati Indra Ningsih
Advance Sustainable Science Engineering and Technology Vol. 7 No. 2 (2025): February-April
Publisher : Science and Technology Research Centre Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/df5dwp69

Abstract

This study examines the use of artificial intelligence (AI) in personalized marketing to boost consumer engagement. Using a systematic literature review from Scopus, DOAJ, and Google Scholar, it finds that AI helps predict consumer behavior, optimize communication, and deliver real-time adaptive content. These capabilities enhance customer satisfaction and loyalty. However, challenges such as data privacy, ethical concerns, and the need for human oversight remain. The study recommends investing in AI-driven analytics, automation, and dynamic content strategies to improve customer experience and interaction. 
Co-Authors Abdul Haris Abdur rahman Alfian Eikman Amil Amil Amil, Amil Amin, Fajar Sadikul Andika, Hiffal Sandi Artika Widiandari Arwin Yafi Rahmatullah Arwin Yafi Rahmatullah Asbur Hidayat Asbur Hidayat, Asbur Hidayat Asidah, Erwin Auzandika, Irgi Baiq Reinelda Tri Y Baiq Reinelda Tri Yunarni Baiq Reinelda Tri Yunarti Baiq Reinelda Triyunarni Budiman, Saiful Bahri Daaris, Yuli Yanti Dedy Iswanto Dedy Iswanto Dwi Maulini, Yuni Eikman, Alfian Ersa Wahyuliati Ersa Wahyuliati Erwin Asidah Fathiyya Annisa Firmus Yudal Fitriani Hadi, Sulhan Hamami, Fathin Hidayat, Asbur Irsyad, Ziqrurrahman Ismail Ismail Iwan Tanjung Sutarna Kurniawan, Cahyadi Loso Judijanto M. Chothibul Umam Assa’ady Makiah Makiah Maniza, Lalu Hendra Mos Indrawati Muhammad wisnu Alfiansyah Nadia Setiawati Nur Fitri Hidayanti Nur Lia Nuraini Nuraini Nurlia Nurlia Nurul Huda Oktriliani Gelora Jehadianti Putri Amalia Wardi Putri, Baiq Fera Susmita Reinalda Tri Yunarni, Baiq Risnita Oktabriani Sandikawati Rizal Ramdani Rosma Ndiak Rossi Maunofa Widayat Saiful Bahri Salmin Salmin Sapitri, Dinda Tiara Selva, Selva Silmi, Hayatus Smith, Muhammad Rizki Sudarta Sudarta Sulhan Hadi Sulhan Hadi Susilo Talidobel Suwandi, Adam Syaharuddin YASYIFA DIAN URFINA Yudhi Lestanata