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Yuanna, Destin
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Decision Sciences, Operations Research & Management

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Exploring The Role of Frugal Living and Digital Financial Inclusion to Saving’s Intention Within Indonesia’s Gen Z Alim, Abdul Malik; Margareta, Ananda Maya; Yuanna, Destin; Maharani, Anita
Jurnal Manajemen (Edisi Elektronik) Vol. 16 No. 1 (2025): Jurnal Manajemen (Edisi Elektronik)
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v16i1.18151

Abstract

This study aims to analyse the influence of frugal living lifestyle and digital financial inclusion on saving intention among Generation Z in Indonesia. Conceptually, frugal living, which is increasingly popular among Generation Z, refers to a frugal lifestyle that includes wise financial management to achieve long-term goals. Meanwhile, digital financial inclusion reflects easy access to technology-based financial services that can facilitate the saving process. This study uses a quantitative approach with a questionnaire distributed to Generation Z in Indonesia, resulted in 70 respondents. The results of the regression analysis show that frugal living and digital financial inclusion have a positive and significant influence on saving intention, where frugal living has a stronger influence. In addition, it was found that these two factors complement each other in increasing saving intention, because digital access makes it easier to implement a frugal lifestyle. These findings provide implications for banks in Indonesia to develop marketing strategies that promote a frugal lifestyle and provide digital banking services that are responsive to the needs of Generation Z.
Co-Authors Alim, Abdul Malik Anita Maharani Margareta, Ananda Maya