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Ulil Hartono
Jurusan Manajemen, Fakultas Ekonomika Dan Bisnis Universitas Negeri Surabaya
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Pengaruh Financial Knowledge, Financial Attitude, Dan Digital Financial Literacy Terhadap Financial Behavior Pengguna E-Payment Di Provinsi Jawa Timur Sari, Shela Dwi Widhya; Hartono, Ulil; Meidiaswati, Harlina
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/99bkj628

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and digital financial literacy on the financial behavior of Generation Z e-payment users in the Gerbangkertosusila area, East Java Province. The study is motivated by the increasing use of digital payment services that require individuals to manage their finances wisely in the digital era. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 264 respondents selected using purposive sampling techniques. The analysis method used was Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial knowledge, financial attitude, and digital financial literacy have a positive and significant effect on financial behavior. Digital financial literacy was found to have the strongest influence on financial behavior among Generation Z e-payment users. These findings support the Theory of Planned Behavior, Social Cognitive Theory, and Human Capital Theory, which explain that financial behavior is influenced by cognitive, attitudinal, and literacy factors. This study implies that improving financial literacy and financial attitudes can encourage more responsible financial behavior in the digital financial environment.
Co-Authors Abqari, Lingga Sundagumilar Achmad Kautsar Achyarsyah, Mochamad Aeraafi, Hasnaning Monica Alfansyah Surya Pratama Amelia, Afifah Nur Anang Kistyanto Andiny, Dhela Widy Andre Dwijanto Witjaksono Angwen Cahyani, Anggur Aura Vestaliva Mahera Azhariyah, Anjumul Bagus Pribadi, Bagus Baskoro Langgeng Pamuji Budiono Budiono Damaiyanti, Arif Fera Depi Milayati, Depi Desi Nurvitasari Desi Nurvitasari Dewi, Angdriani Puspita Dewie Tri Wijayati Dewie Trie Wijayati Dita Ayusnia Pramudyani Dyana Novita Taristy Faiz Bahalwan Fandi Fathoni Fandi Fatoni Hardiyanti, Andhini Agustine Harlina Meidiaswati Heny Hendrayati Hidayat, Febrian Satria I Gusti Putu Asto Buditjahjanto Ika Diyah Candra Arifah Intan Tri Letiana Irkham, Nuriyah Jamik Jamik Karina Nindya Krisdiana Kurniawan, Yogi Ade Tia Luthfiyah Nurlaela Marhaeningtyas, Dian Marimon, Frederic Muhammad Rizky Ramadhan Musdholifah MUSDHOLIFAH MUSDHOLIFAH Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Musdholifah Muzharoatiningsih Muzharoatiningsih Nabiilah, Irfani Azzah Nadia Asandimitra Haryono Nadia Seprena Devi Nadya Tiara Santi Widodo Nisrina, Jihan Arij Nugraha, Egananda Septian Nur Anisah Pitaloka, Puspa Ayu Prabowo, Sony Ilham Purwohandoko Purwohandoko Puspaaji, Defy Maulida Putit, Lennora R.A. Sista Paramita Refiana Dwi Maghfiroh Riska Dhenabayu Rommy Mochammad Ramdhani Rozaq, Khoirur Salim Salim SANAJI Sanaji, Sanaji Sari, Andini Sari, Shela Dwi Widhya Sari, Windy Puspita Shela Monika Siti Mi'Danur Rahmah Sri Setyo Iriani Sriyani Sriyani SUSANTI Taristy, Dyana Novita Trias Madanika Kusumaningrum Winda Rizky Amalia Witjaksono , Andre Dwijanto Wulandari, Yulita Yessy Artanti Yulianto, Naufal Alief Yuyun Isbanah Yuyun lsbanah Zulfialdi, M. Farid