Journal of Management, Economic, and Accounting
Vol. 5 No. 2 (2026): April

The Influence of Digital Financial Literacy, Self Control, and Financial Behavior on the Consumptive Behavior of Gen Z QRIS Users in Medan City

Fahkraini Amelia (Unknown)
Sari, Pipit Buana (Unknown)
Ananda, Geby Citra (Unknown)

Article Info

Publish Date
29 Apr 2026

Abstract

This study aims to examine the effect of digital financial literacy, self control, and financial behavior on the consumptive behavior of Generation Z QRIS users in Medan City. It uses a qiantitative approach with an online questionnaire survey method. The number of respondents in this study was 100 people, determined using a sampling technique. Data analysis was conducted using multiple linear resgression with the help of SPSS software. The results of the study indicate that digital financial literacy, self control, and financial behavior partially have a significant negative effect on consumptive behavior. The three variables also show a simultaneous effect on consumptive behavior. These findings confirm that improving digital financial literacy, self control, and good financial behavior play an important role in reducing the consumptive behavior of Generation Z QRIS users.

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Journal Info
Journal of Management, Economic, and Accounting
Website

Abbrev

JMEA

Publisher

Universitas Dehasen Bengkulu

Subject

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

Description

Journal of Management, Economic, and Accounting is a peer-reviewed journal. JMEA invites academics and researchers who do original research in the fields of economics, management, and accounting, including but not limited to: Management Science Marketing Financial management Human Resource ...