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All Journal Journal of Management, Economic, and Accounting
Fahkraini Amelia
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Digital Financial Literacy, Self Control, and Financial Behavior on the Consumptive Behavior of Gen Z QRIS Users in Medan City Fahkraini Amelia; Sari, Pipit Buana; Ananda, Geby Citra
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1511

Abstract

This study aims to examine the effect of digital financial literacy, self control, and financial behavior on the consumptive behavior of Generation Z QRIS users in Medan City. It uses a qiantitative approach with an online questionnaire survey method. The number of respondents in this study was 100 people, determined using a sampling technique. Data analysis was conducted using multiple linear resgression with the help of SPSS software. The results of the study indicate that digital financial literacy, self control, and financial behavior partially have a significant negative effect on consumptive behavior. The three variables also show a simultaneous effect on consumptive behavior. These findings confirm that improving digital financial literacy, self control, and good financial behavior play an important role in reducing the consumptive behavior of Generation Z QRIS users.
Co-Authors Ananda, Geby Citra Pipit Buana Sari, Pipit Buana