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All Journal JURNAL EKONOMI SAKTI (JES)
Trihandayani, Arini
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Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN PADA PENGGUNAAN E-WALLET TERHADAP PERILAKU PENGELOLAAN KEUANGAN GENERASI Z DI KOTA MAKASSAR Trihandayani, Arini; Mira, Mira; Basir, Basri
Jurnal Ekonomi Sakti Vol 15 No 1 (2026)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v15i1.498

Abstract

The development of digital technology has driven increased e-wallet use among Generation Z, which can influence financial management behavior. This study aims to analyze the influence of financial literacy and e-wallet use on the financial management behavior of Generation Z in Makassar City. Using a quantitative approach with an explanatory research method, data were collected through a Likert-scale questionnaire from 111 respondents. Data were analyzed using Partial Least Squares (PLS) to examine the influence of financial literacy and e-wallet use on financial management behavior. The results show that financial literacy has a positive and significant effect on the financial management behavior of Generation Z in Makassar City. Furthermore, e-wallet use also has a positive and significant effect. This suggests that increased financial literacy and the use of digital payment technology can encourage better financial management behavior. The better a person's financial understanding and wise use of digital payment technology, the better their ability to manage their finances. Therefore, improving financial literacy education is crucial for the younger generation. Keywords: Financial Literacy, E-Wallet, Financial Management Behavior, Generation Z, Makassar City.
Co-Authors Basir, Basri Mira Mira