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All Journal Al-Ulum Jurnal Pemberdayaan Masyarakat Madani (JPMM) Iqra: Jurnal Ilmu Kependidikan dan Keislaman Jurnal Pendidikan Ekonomi & Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL INSTEK (Informatika Sains dan Teknologi) Jurnal Pengabdian Magister Pendidikan IPA IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Meraja journal Jurnal Penelitian Agrisamudra Accounting Profession Journal (APAJI) Journal of Tourism and Economic Economics and Digital Business Review International Journal of Health, Economics, and Social Sciences (IJHESS) Apssai Accounting Review (ApAR) Journal Online Manajemen ELPEI (JOMEL) Media Ekonomi Sighat : Jurnal Hukum Ekonomi Syariah INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Carita : Jurnal Sejarah dan Budaya Jurnal Ekonomi Kreatif Indonesia Sinergi International Journal of Management and Business Journal of Business, Technology, & Social Science Jurnal Pengabdian Masyarakat dan Riset Pendidikan ANDIL Mulawarman Journal of Community Engagement Jurnal Dedikasi Masyarakat GoodWill Journal of Economics, Management, and Accounting INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Jurnal Pengabdian Indonesia INQUBATE
Muliati
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Journal : INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW

 1 
The Role of Financial Literacy in Moderating the Influence of Digital Payments and Lifestyle on Financial Management Behavior of Generation Z in Palu City Pakawaru, Muhammad Ilham; Bakry, Mohammad Iqbal; Muliati; Mile, Yuldi; Tanra, Andi Ainil Mufidah
INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Vol 3 No 3 (2025): Current issue 8
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ijemr.v3i3.365

Abstract

Purpose – This study aims to examine the role of financial literacy in moderating the influence of digital payments and lifestyle on the financial management behaviour of Generation Z in Palu City. Design/methodology/approach – The sample consisted of 210 Generation Z respondents residing in Palu who use digital or non-cash payment methods in their transactions. Data were analysed using WarpPLS 7.0. Originality - These findings highlight that good financial literacy helps individuals recognise the impact of lifestyle on their finances and take appropriate steps to manage expenditures more effectively as a form of self-control. Findings and Discussion – The results show that digital payments have a direct influence on the financial management behaviour of Generation Z in Palu City, while lifestyle has no direct effect. Financial literacy weakens the impact of lifestyle on financial management behaviour, but strengthens the impact of digital payments on financial management behaviour. The adoption of digital payments reflects Generation Z’s adaptation to technological developments that increasingly promote non-cash transactions in Palu and Indonesia in general, providing convenience in payment processes. Conclusion – This study implies that financial literacy can serve as a controlling factor (a tangible form of perceived behavioural control), bridging the gap between consumptive intentions and actual behaviour. For this reason, the government and financial institutions may employ financial literacy as a preventive strategy to mitigate debt-related issues, particularly among younger generations with digital and consumptive lifestyles.
Co-Authors A. Nurkidam A. We Tenri Fatimah Singkeruang A.Ariyadi Abdul Rahman Ahdar Ahsan Abdissalam AkbarAkbar Hidayat Ahmad Ali Supriadi Amliaya Putri An Ras Try Astuti Ananda Aulia Andi Bahri S Andi Bahri. S Andi Chairil Furqan Andriawan Kustiawan Arsad Aslam Arya Wiranugraha Astin Ayu Lestari AZ, Wahyul Bakry, Mohammad Iqbal Citra Dewi Damirah Darmiani Ernawati Euis Zian Safitri Fadillah Pratiwi S FAHMI YAFI TUASALAMONY Faradhillah, Nitha Fauzan, Ahmad Ferdyansyah Fikri Ga, Stanislaus Skotska Yosafat Gaffar, Emmilya Umma Azizah Gustia Harahap, Hotsawadi Hasriadi Hasrita Lubis Hijri Juliansyah I Gde Kusmananda Satya Narayana Ibrahim Ihlazul Amal Ilham Pakkawaru Indriani Ishar, Muh. Ismail, Shafinar Jumria Lasodi, Nurfadila Ramdani Lenas, Meldilianus Nabas J Lubis, Iksan Adiputra Lubis, Iksan Adiputra Lubis Lubis, Nining Indah Lestari Lusianai, Wa Ode Mahardin Mahmud, Usamah Mapparessa, Nurlaela Masruddin Mile, Yuldi Muh Darma Halwi Muh. Ilham. H Muh. Nurdiansyah Muhammad Ali Rusdi Bedong Muhammad Ansar, Muhammad Muhammad Fahri, Muhammad Muhammad Kamal Zubair Muhammad Rusydi Navri Muhammad Saleh Mukmin Muhammad Mustamin Nasrullah Ni Made Suwitri PARWATI nirdukita ratnawati, nirdukita Norhaedah Nur Afni Asnia Nur Asia Nurdin, Jurana Nurmawadah Rahmah Nurul Fadillah Nurwahyudi, Rifqi Nurwani Oktafiyana, Eta PAKAWARU, Muhammad Ilham Purba, Jamaluddin Putri Anjani Rachim, Muhamad Djufri Rian Hilmawan Ridho Harapan Bunda Ridwan Senong Rozalina, Rozalina Rozalina Rukiah Ruslan, Fadhlurrahman Safaruddin Saidah Santi Farmasari SARIPUDDIN.M Satriana Sihaloho, Tulus Pieter Jonathan SRI RAHAYU Sriwati Sriyani Suarning Suherman, Suherman Sukmiah Sumardi Syahriyah Semaun, Syahriyah Tanra, Andi Ainil Mufidah Tenripada, Tenripada Totanan, Chalarce Triastuti Kurnianingsih, Heny Usman Vania Madeline Sayuna Waang, Lidia Indriane Wahida Hi. Amier Wahyuni Simanjuntak welven aida Yasin, Nurfatwa Andriani Yesi Aprianti Yusrita _, arfiansyah