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All Journal Asian Journal of Management Analytics
Wardaya, Rahma Azkia
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Decision Sciences, Operations Research & Management

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The Impact of Financial Literacy on Saving Behavior in Generation Z in Cirebon City, with Perceived Mobile Banking Service Ease as a Mediating Variable Wardaya, Rahma Azkia
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.v5i2.16454

Abstract

The purpose of this study is to examine how financial literacy affects Generation Z's saving behaviour in Cirebon City from the perspective of basic mobile banking services as a mediating variable. A quantitative approach with associative study is the research methodology employed. 120 randomly selected respondents made up the research sample. Questionnaires on a five-point Likert scale were distributed in order to collect data. The data was analysed using the Sobel test and multiple linear regression using IBM SPSS Statistics. The study's findings demonstrate that the view of how simple mobile banking services are is positively and significantly impacted by financial literacy. Additionally, saving behaviour is positively and significantly impacted by financial literacy. Additionally, saving behaviour is positively and significantly impacted by the opinion of how simple mobile banking services are.
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