Jurnal Akuntansi, Manajemen dan Perbankan Syariah
Vol. 5 No. 5 (2025): Oktober 2025

Financial Behavior in the Digital Era: Integrating Financial Knowledge, Attitudes, Planning, and FinTech

M. Trihudiyatmanto (Universitas Sains Al-Qur'
an Jawa Tengah di Wonosobo)



Article Info

Publish Date
26 Oct 2025

Abstract

Purpose - This study was conducted to examine the impact of financial knowledge, financial attitudes, financial planning, and financial technology on the financial behavior of unmarried Gen Z individuals aged 18–27 in Wonorejo Selomerto, Wonosobo. Method -Using a purposive sampling technique (non-probability sampling), data were collected from 144 respondents and analyzed via multiple linear regression. Findings - The findings demonstrate that all independent variables exert a positive and significant influence on financial behavior when analyzed individually: financial knowledge (t-calc=3.746 > t-table=1.65581; sig=0.000 < 0.05), financial attitudes t-calc=27.157 > t-table=1.65581; sig=0.000 < 0.05), financial planning t-calc=2.389 > t-table=1.65581; sig=0.018 < 0.05), and financial technology t-calc=4.256 > t-table=1.65581; sig=0.000 < 0.05). Implications - The implications of this study are valuable for Gen Z in Wonorejo Selomerto in understanding the importance of financial knowledge, financial attitudes, financial planning, and financial technology for better financial behavior management.

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Journal Info

Abbrev

jamasy

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

JURNAL AKUNTANSI, MANAJEMEN DAN PERBANKAN SYARIAH diterbitkan sejak 1 Desember 2021 oleh Unit Penelitian dan Pengabdian Masyarakat Fakultas (UP2MF) Fakultas Ekonomi dan Bisnis Universitas Sains Al-Qur’an (UNSIQ) Jawa Tengah di Wonosobo. Terbit enam kali setahun pada bulan Februari, April, Juni, ...