Article Per Year (5 Year)
p-Index From 2021 - 2026
11.638
P-Index
This Author published in this journals
All Journal Media Wisata Tadrib: Jurnal Pendidikan Agama Islam Ta'dibi: Jurnal Manajemen Pendidikan Islam Ekspektra: Jurnal Bisnis & Manajemen CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Qua Teknika Jurnal Kridatama Sains dan Teknologi Jurnal Ilmiah Psikologi Mind Set PSYCHOPEDIA : Jurnal Psikologi Universitas Buana Perjuangan Karawang Jurnal Psikologi : Jurnal Ilmiah Fakultas Psikologi Universitas Yudharta Pasuruan Buana Ilmu Dialectical Literature and Education Journal Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Nutrisi Ternak Tropis (JNT) Jurnal E-Komtek Jurnal Manajemen dan Bisnis Kreatif Jurnal Skripta International Journal of Social and Management Studies (IJOSMAS) Jurnal Kesehatan STIKes IMC Bintaro Rambideun : Jurnal Pengabdian Kepada Masyarakat An-Nahdlah: Jurnal Pendidikan Islam Jurnal Janitra Informatika dan Sistem Informasi JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal of Information Systems and Management Jurnal Multidisiplin Madani (MUDIMA) Jurnal Sosial dan Abdimas Service Management Triangle : Jurnal Manajemen Jasa Formosa Journal of Sustainable Research (FJSR) Bulletin of Management and Business Jurnal Buana Pengabdian AMALA Jurnal Pengabdian Kepada Masyarakat Journal of Scientific Research, Education, and Technology International Journal of Management, Economic, Business and Accounting Gudang Jurnal Multidisiplin Ilmu (JUMPER) Surya Informatika Indonesian Journal of Education (INJOE) National Conference for Ummah Jurnal Komunikasi PARTICIPATORY Jurnal Akademik Pengabdian Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam jabdimasunipem Cigarskruie Jurnal Manajemen Kesehatan dan Keperawatan International Journal of Education, Vocational and Social Science Journal of Ekonomics, Finance, and Management Studies An Nafi’; Multidisciplinary Science WIDYANTARA INOVTEK Polbeng - Seri Informatika Sinergi International Journal of Psychology Menulis: Jurnal Penelitian Nusantara JIWA:Jurnal Psikologi Indonesia
Suroso
Unknown Affiliation
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

Published : 100 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : (JUMPER)

 1 
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): On Progress
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 Aimi Ali Nurdin Ali, M. Makhrus Aman, Mustar Amellia , Rizky Anah Nursanah Andini, Riska 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 cahyana Camelia Yuliana Sitorus Catur Prasetianingsih Chidir, Gusli Citra Savitri Crisvin Damanhuri Darmawan Dea Manolini Putri Delia Shukmalla Eka susanti Enjang Suherman Erika Noviana Fairus Erlina Zanita Ersa Mayang Sari Fadhli, Mohammad Fakhirah Labibah Amelia ira Fara Damayanti Faturachman Pramudya Fitri Mulyati Flora Patricia Angela Flora Patricia Anggela Flora Patricia Anggelia Gazali 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 Karina, Tisa Alif Karnama, Maman Mulya Karolin Rista KARTIKA, NURIL Kiara Sofia Syahrani Kinanggi, Ratnasari Koesnita, Dian Kristiani Tandi Rani Kurniah Astutik Larasati, Nurul Afifah Latif, Muhammad Faris Latif, Wildana Li Yan Ying Luluk Eka Meylawati Maman Mulya Karnama Manap, Abdul Maria setyastanto, Albertus Maulana, Asep Suraya Meylawati, Luluk Moh. Nasrudin Muhammad Farid Nadeak, Multi Nafiah Nenabu, Febryanti Marsalin Neni Sumarni NENI SUMARNI, NENI Niken Titi Pratitis Niken Titi Pratitis Nisti, Meldini Syah Rian 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 Rara Eka Dila Putri Rio Devilito Riska Andini Riswahyuni Widhawati Riyanto Safitri, Nindya Ayu samsul arifin Sasono, Ipang Sayid Habiburrahman Sihotang, Manorang Silitonga, Nelson Simorangkir, Yosua Novembrianto Singgih, Eman Siti Nurbaya Slamet Nurchamid Sri Mulyatiningsih Sugeng Sholehuddin, Sugeng Suherman, Enjang Susilawati Susilawati, Susilawati Suwarto, Nadhea Syarifuddin Syifa Pramudita Faddila Tantri Wenny Sitanggang Tiara, Beby Umi Kalsum Usman Ali Utomo, Tri Binarko 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 Utomo Yunianto Agung Nugroho Yunita Fajriati Yusuf Febrianto Zakirotul Diana