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All Journal Jurnal Riset Ekonomi & Bisnis Riset Manajemen dan Akuntansi Neo-Bis Tesa Arsitektur Briliant: Jurnal Riset dan Konseptual Jurnal Mirai Management Jurnal Riset Pendidikan Ekonomi Jurnal Dinamika Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Jurnal Pendidikan Ekonomi (JURKAMI) OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Jurnal Manajemen Dedication : Jurnal Pengabdian Masyarakat Procuratio : Jurnal Ilmiah Manajemen Jurnal Ilmu Manajemen MANAJEMEN DEWANTARA Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) IDEI: Jurnal Ekonomi & Bisnis PLAKAT : Jurnal Pelayanan Kepada Masyarakat Focus : Jurnal Pekerjaan Sosial Journal of Management and Bussines (JOMB) Nusantara Science and Technology Proceedings JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Pengabdian Kepada Masyarakat Patikala Al-Buhuts (e-journal) Veteran Society : Jurnal Pengabdian Masyarakat Batara Wisnu : Indonesian Journal of Community Services East Asian Journal of Multidisciplinary Research (EAJMR) Al-Khidmah Jurnal Pengabdian Masyarakat Journal of Economics Development Issues Management Science Research Journal JURNAL BESEMAH International Journal of Economics (IJEC) Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Jurnal Ekbis (Ekonomi & Bisnis) Cakrawala: Jurnal Pengabdian Masyarakat Global Cerdika: Jurnal Ilmiah Indonesia Innovative: Journal Of Social Science Research Dedication : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Kepada Masyarakat Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Journal of Ekonomics, Finance, and Management Studies Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis JHSS (Journal of Humanities and Social Studies)
Nurjanti Takarini
Faculty Of Economics And Business, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Surabaya 60294, Indonesia
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Journal : MANAJEMEN DEWANTARA

 1 
PERILAKU KEUANGAN GENERASI Z PENGGUNA M-BANKING BCA DI SURABAYA: PENGARUH LITERASI KEUANGAN, GAYA HIDUP, LOCUS OF CONTROL, DAN FINTECH SEBAGAI MODERASI Tantra, Naufal Afif Dwinka; Takarini, Nurjanti
MANAJEMEN DEWANTARA Vol 9 No 1 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i3.20966

Abstract

The rapid growth of financial technology has made financial activities more practical yet it has also heightened the risk of consumptive behavior among Generation Z due to limited financial literacy and self-control. 147 Generation Z BCA Mobile customers in Surabaya provided primary data for this study, which uses a quantitative methodology. Purposive sampling was used to choose respondents based on predetermined standards. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) was used to analyze the data. The findings show the benefical impact of financial literacy and locus of control, while lifestyle has a considerable detrimental impact on financial behavior. Furthermore, financial technology amplifies the influence of locus of control on financial behavior, diminishes the impact of financial literacy, and is unable to mitigate the influence of lifestyle on financial conduct
Co-Authors Afifa Lutfita Afika Qothrunnada Agung Pambudi Aliyah Agustin, Masdarullia Amalia Anjani Arifiyanti Andi Maulana Andissa Listya Quatatita Arif Wicaksono, Tegar Mohamad Ariffianto, Raufha Aris Sutejo Aurel Julanda Happy Pridya Ayu Rachmawati Azmi, Sylvia Nurul Azzahra, Shafina Difa Chynta Choirunisa, Fitri Dewi Fathika Sari Dhia Fairuz Izdihar Diah Hari Suryaningrum Dian Heri Krisdianto Dini Indah Prasasti Eko Wahyudi EKO WAHYUDI Endang Iryanti Ety Nila Nikmati Eva Elviana Fakhrudinsyah, Virdi Fariq Hizba Farraniza Artha Ridha Feby Ayu Tri Ananda Firansiska Sukirno, Adelia Firman Mukhti Alamsyah Fitri Riski Riyadi Fitriana, Divany Ade Hayudanto Putra, Ukki Hesti Maulia Hasanudin Husien, Fadhel Indriasari, Jovanka Intan Wahyualfani Ira Wikartika Irine Hesti Kusumaningdinni Junita Pramita Sari Khairunnisa Rosyadah Luritawati, Aisyah Lutfita, Afifa Luthfiyyah, Kania Mahanani, Anajeng Esri Edhi Mandasari, Virginia Masna Nuros Safitri Mochammad Bagus Akbar Pratama Muhammad Ramadhan Munwwarotul Barokah, Cinta Nur Musafira Okta Ghina Tsabitah Nadhila Putri Ghaisani Nafisa, Shella Alfiani Nanda Dini Pratiwi Nanik Hariyana Naufal Afif Dwinka Tantra Novita Fatmawati Nur Aini, Sinta Octavia Dara Citra Dewi Okvily, Ihcya Ovitia Rerolia Fitria Pratama Putri, Azzahra Setya Randy Alifianda Rufianty, Zahwa Dalya Safeyah, Muchlisiniyati Saphiera Arsyida Pusaka Shelomitha Rachmania Danguwole Shintianingrum, Oktavia Sintya Maharani Tantra, Naufal Afif Dwinka Ukki Hayudanto Putra Virginia Mandasari Wahyu Chasanah, Sani Wahyualfani, Intan Widya Susanti Winda Amalia Sari Wulandari, Aprilia Bella Zuhda Mila Fitriana