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All Journal Ekonomi Bisnis
habibi, ach fuadi
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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E-WALLET PERCEIVED EASE OF USE, SELF-CONTROL, AND FINANCIAL MANAGEMENT AMONG GENERATION Z ENTREPRENEURS WITH DIGITAL FINANCIAL LITERACY AS   A MODERATING VARIABLE IN MALANG CITY habibi, ach fuadi; Mardiana
Jurnal Ilmiah Ekonomi Bisnis Vol. 31 No. 1 (2026)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2026.v31i1.170

Abstract

The rapid growth of financial technology has increased the adoption of digital wallets (e-wallets), particularly among Generation Z entrepreneurs. This study aims to examine the influence of perceived ease of use of e-wallets and self-control on financial management, as well as the moderating role of digital financial literacy among Generation Z entrepreneurs in Malang City. Using a quantitative approach with a survey design, data were collected from 239 respondents through questionnaires. The findings reveal that the perceived ease of use of e-wallets and self-control positively and significantly affect financial management. Digital financial literacy moderates the relationship between e-wallet ease of use and financial management, but does not moderate the relationship between self-control and financial management. These results highlight the importance of balancing financial technology utilization, self-control, and financial literacy to support effective financial management among Generation Z entrepreneurs
Co-Authors MARDIANA