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All Journal Jurnal Pendidikan Akuntansi Indonesia
Amanda Dwi Kurnia
State University of Surabaya
Economics, Econometrics & Finance Education

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The Dynamics Of Impulse And Control In Generation Z’s Financial Well-Being: Dinamika Impuls Dan Kontrol Dalam Kesejahteraan Keuangan Generasi Z Amanda Dwi Kurnia; Salsabella Nur Ikhsaniyah; Maharani Zuroida; Aldi Saputro; Irwan Adimas Ganda Saputra
Jurnal Pendidikan Akuntansi Indonesia Vol. 24 No. 1 (2026): Jurnal Pendidikan Akuntansi Indonesia
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpai.v24i1.96380

Abstract

Generation Z is entering adulthood, which is why their status as digital natives exposes them to high online distractions, particularly the fear of missing out (FOMO). Recent data shows that 77% of Generation Z purchasing decisions are influenced by social media, so this study aims to evaluate the effect of FOMO and financial knowledge on financial well-being with self-control as a moderating variable. An online questionnaire, 322 Gen Z respondents were selected using the Hair formula. Data were analyzed by path analysis through SmartPLS 4.0. The results suggest noteworthy impacts of both FOMO and financial well-being (FWB) on this demographic, such that while each factor contributes to explaining individual financial well-being, only one of them acts as a moderator. The variance in financial well-being explained by this model is the 61.9% with an acceptable data fit. FOMO can be a motivator to seize financial opportunities. Overall, this study deepens the insight into financial behavior by providing a brief overview of both sides of FOMO in the digital world, and incorporating self-control as a psychological filter when making financial decisions.
Co-Authors Aldi Saputro Irwan Adimas Ganda Saputra Maharani Zuroida Salsabella Nur Ikhsaniyah