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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Khalisha Azzahra Habibi
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Humanities Education Languange, Linguistic, Communication & Media Mathematics Other

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Generation Z in the Cashless Era: An Analysis of Digital Financial Literacy and Consumption Behavior: Penelitian Sinuhaji, Meutia Maryam; Keisha Maritza Azzahra; Muhammad Ariib Firaas3; Khalisha Azzahra Habibi; Karunia Ramadhan
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3948

Abstract

This study aims to analyze the relationship between digital financial literacy and Generation Z's consumption behavior in the cashless era. Technological advancements and cashless payment systems have driven significant changes in people's consumption patterns, especially among Generation Z, who are known as active users of digital financial services such as e-wallets, mobile banking, and QRIS. The research method used was quantitative descriptive, with data collection techniques through questionnaires distributed to 71 respondents. The results of the study show that Generation Z has a fairly good level of digital financial literacy from the technical aspect, but it is still low in financial management and financial risk awareness. The ease of transactions and digital promotions has been shown to encourage consumptive behavior, especially in individuals with low levels of financial literacy. Therefore, increasing digital financial literacy is an important key to shaping wise consumption behavior and supporting the creation of a healthy and sustainable digital economy ecosystem in Indonesia.
Co-Authors Karunia Ramadhan Keisha Maritza Azzahra Muhammad Ariib Firaas3 Sinuhaji, Meutia Maryam