<![CDATA[Consumptive behavior is defined as purchasing actions that are driven more by desires than needs, often carried out with little deliberation. Utilizing financial literacy as a moderating variable, this study aims to examine how lifestyle and self-control influence the consumption patterns of Generation Z in North Surabaya. Primary data were collected through a quantitative approach using Google Forms to distribute the questionnaire. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS 4.0 software. The findings indicate that both self-control and lifestyle have a positive and significant effect on consumptive behavior. However, financial literacy does not moderate the relationship between lifestyle and consumptive behavior, although it does strengthen the relationship between self-control and consumptive behavior.]]>
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