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All Journal Asian Journal of Management Analytics
Kusbiantoro, Caliska Aldira
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Decision Sciences, Operations Research & Management

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Journal : Asian Journal of Management Analytics

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Exploring the Influence of Financial Literacy, Financial Attitudes, Self-Control, and Hedonistic Lifestyle on Generation Z's Financial Management Behavior: A Study on PayLater Usage in Jakarta Colin, Vincent; Tannia, Tannia; Siratan, Elkunny Dovir; Kusbiantoro, Caliska Aldira
Asian Journal of Management Analytics Vol. 5 No. 1 (2026): January 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v5i1.16097

Abstract

This study investigates the influence of financial literacy, financial attitude, self-control, and lifestyle on financial management behavior in the context of PayLater usage among Generation Z in Jakarta. The research aims to determine whether these factors significantly affect to shaping responsible financial behaviors, particularly concerning online payment services. A quantitative approach was used and data were processed using IBM SPSS version 22, utilizing primary data gathered through an online questionnaire distributed to university students and young workers aged 17-26 who have used PayLater services. The results reveal that financial literacy, financial attitude, and self-control significantly impact financial management behavior, while lifestyle, specifically hedonistic tendencies, does not show a significant influence. These findings underscore the importance of improving financial literacy and self-control to enhance financial decision-making within Generation Z.
Co-Authors Colin, Vincent Siratan, Elkunny Dovir Tannia, Tannia