Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Multidisciplinary Indonesian Center Journal
Vionita Qatrunnada
Unknown Affiliation
Religion Humanities Earth & Planetary Sciences Education Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 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 Herman Mujito Wahid Akbar Basudani Zeze Zakaria Hamzah