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Behavioral Biases, Digital Payment Adoption, and Personal Financial Planning: Evidence from Millennial and Gen Z Consumers Ali, M. Makhrus; Manap, Abdul; Suroso; Pratama, Vidya Ramadhan Putra
Journal Management & Economics Review (JUMPER) Vol. 3 No. 9 (2026): March
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i9.951

Abstract

The rapid growth of digital payment systems has transformed financial behavior among younger generations, particularly millennials and Generation Z (Gen Z). While digital payments offer convenience and efficiency, their widespread adoption raises concerns regarding behavioral influences and personal financial planning. This study examines the relationships among behavioral biases, digital payment adoption, and personal financial planning among millennial and Gen Z consumers. Using a quantitative research design, data were collected through a structured survey of 320 respondents who actively use digital payment services. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test direct, mediating, and generational effects. The results indicate that behavioral biases significantly and negatively affect personal financial planning, while positively influencing digital payment adoption. Digital payment adoption is also found to have a significant negative effect on personal financial planning and partially mediates the relationship between behavioral biases and financial planning. Furthermore, multi-group analysis reveals that these negative effects are stronger among Gen Z consumers compared to millennials. These findings contribute to the behavioral finance and fintech literature by highlighting the psychological mechanisms through which digital payment systems influence financial planning. Practically, the study emphasizes the need for behavioral-based financial education and digital payment design features that promote mindful spending and long-term financial discipline among younger generations.
Co-Authors Abda Abda Abdi Wibowo, M. Ganda Abdul Rakhman ABI DZAR AL GIFARRY Achiruddin Siregar Ade Mubarok Adella Fakhira Mauludia Adhe Oktapiani Sopian Adi Komarudin Adi Widodo Adi Widodo Adi Yanto Agung nugroho, Yunianto Agung, Giovanni Battista Ahmad Fauji, Ahmad Ahmad Ilham Aimi Ali Nurdin Ali, M. Makhrus Aman, Mustar Amellia , Rizky Amri, Hoirul Anah Nursanah Andini, Riska Andri Gandhy Andrias Chandra Putra Dewanto Angger Gilang Praditama Anggi Noviandra Rahmadanty Anggita Wulandari Anisa Nurlaela Sari Anita Ardianto, Johosua Alvin Arista Ardiningrum Asbari, Masduki Astuti, Herwina Widya Asyari, Lutfi Ayuningtyas Azhar, Ryan Ainul Beby Tiara Benny Gunawan Budi Haryanto Budi Rismayadi Caesar Pradewa cahyana Camelia Yuliana Sitorus Catur Prasetianingsih Chidir, Gusli Citra Savitri Crisvin Damanhuri Darmawan Dea Manolini Putri Delia Shukmalla Desiana Putri Dikasitama Dikatama Tsania Djoko Herwanto Dwikatama Eka susanti Enjang Suherman Erika Merdiana Armono Erika Noviana Fairus Ersa Mayang Sari Fadhli, Mohammad Fakhirah Labibah Amelia ira Fara Damayanti Faturachman Pramudya Ferdy Susanto Feti Fatonah Firmansyah Fitri Mulyati Flora Patricia Angela Flora Patricia Anggela Flora Patricia Anggelia Gazali Haryadi Haryani, Delimawar Heni Purwanti Heri Aji Setiawan Hermawan Adinugraha, Hendri Hoeruddin Hoirul Amri Hu Ri Lan Hudson Sidabutar I G A A Noviekayati Indah Handayani Safitri Indah Sulistiani Ipang Sasono ira, Fakhirah Labibah Amelia Iskandar Rosyidin Isrida Yul Arifiana Joni Iskandar Joni Iskandar, Joni Jumiran Kamal Muchdatas Karina, Tisa Alif Karnama, Maman Mulya Karolin Rista KARTIKA, NURIL Kerta Widana Kiara Sofia Syahrani Kinanggi, Ratnasari Koesnita, Dian Kristiani Tandi Rani Kurniah Astutik Kurniawan Kusuma Safarie Larasati, Nurul Afifah Latif, Muhammad Faris Latif, Wildana Lestari, Dedek Puji Li Yan Ying Lisnawati Luluk Eka Meylawati Maman Mulya Karnama Manap, Abdul Maria setyastanto, Albertus Maulana, Asep Suraya Meylawati, Luluk Moh. Nasrudin Muchammad Muchammad Furqon Muhammad Fahrurozi Muhammad Farid Nadeak, Multi Nafiah Nenabu, Febryanti Marsalin Neni Sumarni NENI SUMARNI, NENI Niken Titi Pratitis Niken Titi Pratitis Nugroho, Yunianto Agung Nuri Wiyono Nuryanti, Yulis Palupi, Varina Citra Pratama, Vidya Ramadhan Putra Pratitis, Niken Puji Wahyumi, Puji Purno, Marhaendro Putra, Surya Jaya Purnama Putri Amelia Indah Firdausy Rachmasari, Alfi Aulia Rachmat, Imam Fauzy Muldani Raden Mohamad Herdian Bhakti Rafica Ramadhanty Noor Noviyani Rahayu, Wahyuni Rezha Fauzi Ramadhan Rio Devilito Riska Andini Riswahyuni Widhawati Riyanto Ronny Safitri, Nindya Ayu Salsabila samsul arifin Samsul Bahri Sasono, Ipang Sayid Habiburrahman Sayid Habiburrahman, Sayid Sihotang, Manorang Silitonga, Nelson Simorangkir, Yosua Novembrianto Singgih, Eman Siti Nurbaya Slamet Nurchamid Sri Mulyatiningsih Sugeng Sholehuddin, Sugeng Suherman, Enjang Supriyanto Kemal Susilawati Susilawati, Susilawati Susmiyati Suwarto, Nadhea Syamsunasir Syarifuddin Syifa Pramudita Faddila Tantri Wenny Sitanggang Tiara, Beby Umi Kalsum Usman Ali Utomo, Tri Binarko W.TEDJA BHIRAWA Wahyuni Dwi Rahayu Welly Ardiansyah Widya Sri Hartati Wijaya, Muhamad Rizky Windyah Gustiani Winggo, Winggo Romadhana Wiyono, Nuri Yanti Setianti yanto, Adi Yeni Listiana Yogi Prisma Yogi Utomo Yunianto Agung Nugroho Yunita Fajriati Yusuf Febrianto Zakirotul Diana