The Influence of Financial Literacy, Locus Of Control and Lifestyle on Cashless Society Behavior of Gen Z in Pontianak City

Syifa Azizah
Heni Safitri
Dedi Hariyanto

IECON: International Economics and Business Conference
Vol. 3 No. 1 (2025): International Conference on Economics and Business (IECON-3)

The purpose of this study is to investigate the impact of financial literacy, locus of control, and lifestyle on the cashless society behavior of Generation Z in Pontianak City.  This study employs quantitative methodologies.  Pontianak City's Generation Z population was researched.  The study sample was chosen using a purposive sampling method, in which the sample was chosen based on certain characteristics requested by the researcher.  This survey had a total of 100 respondents.  The outcomes of the study suggest that financial literacy has a positive and significant influence on cashless society behavior.  On the other hand, locus of control has a negative and minor influence on cashless society behavior.  And lifestyle has a favorable and important influence on cashless society behavior.