E-WALLET PERCEIVED EASE OF USE, SELF-CONTROL, AND FINANCIAL MANAGEMENT AMONG GENERATION Z ENTREPRENEURS WITH DIGITAL FINANCIAL LITERACY AS A MODERATING VARIABLE IN MALANG CITY

habibi, ach fuadi
Mardiana

Ekonomi Bisnis
Vol. 31 No. 1 (2026)

The rapid growth of financial technology has increased the adoption of digital wallets (e-wallets), particularly among Generation Z entrepreneurs. This study aims to examine the influence of perceived ease of use of e-wallets and self-control on financial management, as well as the moderating role of digital financial literacy among Generation Z entrepreneurs in Malang City. Using a quantitative approach with a survey design, data were collected from 239 respondents through questionnaires. The findings reveal that the perceived ease of use of e-wallets and self-control positively and significantly affect financial management. Digital financial literacy moderates the relationship between e-wallet ease of use and financial management, but does not moderate the relationship between self-control and financial management. These results highlight the importance of balancing financial technology utilization, self-control, and financial literacy to support effective financial management among Generation Z entrepreneurs