Swipe, Pay, Repeat: E-Wallets, Financial Literacy, and the Consumer Lifestyle of Gen Z in Kupang

Natonis, Sari Angriany
Simanjuntak, Olaf Tri Wilopo
Riwu, Yonas Ferdinand

JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI)
Vol. 10 No. 2 (2025): JURNAL PENELITIAN EKONOMI DAN AKUNTANSI

This study delves into how financial literacy and the use of Fintech e-wallets shape the consumptive behavior of Generation Z in Kupang City. Employing a quantitative approach with 75 respondents, this research utilizes multiple linear regression analysis to examine the influence of these two factors, both partially and simultaneously. The findings indicate that both financial literacy and the use of Fintech e-wallets have a positive impact on the consumptive behavior of Generation Z in Kupang City. These results provide crucial insights into the dynamics of consumption in the digital age and highlight the vital role of financial understanding and payment technology in shaping the spending habits of younger generations.