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All Journal Asian Journal of Management Analytics
Hayatunnasha, Nailah
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Decision Sciences, Operations Research & Management

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The Influence of E-Wallet Usability and Financial Literacy on Generation Z’s Consumption Behavior in Cirebon City Hayatunnasha, Nailah; Parlina, Nurhana Dhea
Asian Journal of Management Analytics Vol. 5 No. 2 (2026): April 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v5i2.16452

Abstract

This study aims to analyze the influence of e-wallet usability and financial literacy on the consumption behavior of Generation Z in Cirebon City. The study employs a quantitative approach using an associative method and Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis. Data were collected via a questionnaire distributed to 246 Generation Z respondents who use e-wallets, using a 1–5 Likert scale. The results indicate that the ease of using e-wallets has a positive and significant effect on consumption behavior, suggesting that the easier digital payment systems are to use, the higher the tendency for individuals to make impulsive purchases. Meanwhile, financial literacy has a negative but insignificant effect on consumptive behavior, suggesting that financial understanding is not yet fully capable of controlling consumption behavior in the context of digital technology’s ease of use.
Co-Authors Nurhana Dhea Parlina