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All Journal Jurnal Mandiri EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Dinasti International Journal of Management Science Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Responsive: Jurnal Pemikiran dan Penelitian Administrasi, Sosial, Humaniora dan Kebijakan Publik Enrichment : Journal of Management Akrab Juara : Jurnal Ilmu-ilmu Sosial Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal AbdiMas Nusa Mandiri Indonesian Journal of Society Engagement (IJSE) Jurnal Abdimas Ekonomi dan Bisnis Jurnal Ekonomi EKONOMIKA45 Matriks Multidisciplinary Indonesian Center Journal Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Wahid Akbar Basudani
Fakultas Ekonomi Dan Bisnis, Universitas Nusa Mandiri
Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Mathematics Medicine & Pharmacology Neuroscience Physics Social Sciences Other

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Journal : Multidisciplinary Indonesian Center Journal

 1 
THE USE OF FINTECH AS A MEDIATING VARIABLE OF FINANCIAL LITERACY ON THE DIGITAL SHOPPING BEHAVIOR OF GENERATION Z UNIVERSITY STUDENTS IN INDONESIA Zeze Zakaria Hamzah; Mujito; Herman; Wahid Akbar Basudani; Vionita Qatrunnada
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.2269

Abstract

This study examines the relationship between financial literacy, fintech usage, and digital shopping behavior among Generation Z university students in Indonesia, as well as the mediating role of fintech usage in this relationship. Data were collected from student respondents using purposive sampling and analyzed with path analysis. The results indicate that financial literacy significantly increases fintech usage, and fintech usage positively influences digital shopping behavior. The direct effect of financial literacy on digital shopping behavior becomes insignificant when fintech usage is included in the model, indicating that fintech usage fully mediates this relationship. These findings suggest that financial literacy encourages students to be more active in using fintech, and it is the intensity of fintech usage that drives their digital shopping behavior. This study highlights the importance of strengthening financial literacy and understanding financial technology to foster healthy financial behavior among students.
Co-Authors Adam Hidayah Andini Eka Saputri Febrianto Fitryana, Destika Gani Wiharso Givan, Bryan Hamzah, Zeze Zakaria Hary Mulyadi Hastari, Hilda Herman Hidayah, Adam Ida Zuniarti Ida Zuniarti, Ida Instianti Elyana Joko Ariawan Moch. Benny Alexandri Muhammad Abdullah Muhammad Abdullah Mujito Mulyadi, Harry Mulyadi, Hary Mutiara Rofingi Nurcahyo Kumolo Marsono Nursah, Muchamad Prasetyo, Johan Hendri Purwadi Purwadi Purwadi Purwanto , Obi Eko Purwanto, Oby Eko Putri, Vina Tresna Rindiyani, Syafira Risda Novita Sari Rofingi, Mutiara Rudiyono, Denny Sari, Risda Novita Sri Rusiyati Ula, Masrifatul Valentine Theresia Simamora Valentine Theresia Simamora Vionita Qatrunnada Zahwa, Putri Zeze Zakaria Hamzah