PENGARUH FINANCIAL LITERACY, HEDONIC LIFESTYLE, DAN INTENSITAS PENGGUNAAN QRIS TERHADAP PERILAKU KEUANGAN PRIBADI GENERASI Z DI ERA CASHLESS SOCIETY MAHASISWA PRODI MANJEMEN, FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS 17 AGUSTUS 1945 SURABAYA

Zuliyana Zuliyana (Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas 17 Agustus 1945 Surabaya)
Ida Ayu Sri Brahmayanti (Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas 17 Agustus 1945 Surabaya)

Jurnal Ekonomi dan Bisnis (Jebi)
Vol. 3 No. 8 (2026): JEBI: Jurnal Ekonomi dan Bisnis

This study examines the influence of financial literacy, hedonic lifestyle, and QRIS usage intensity on the personal financial behavior of Generation Z students at Universitas 17 Agustus 1945 Surabaya in the cashless society era. The research employed a quantitative approach using a survey method with questionnaires distributed to 100 respondents. Data were analyzed using multiple linear regression with SPSS version 26. The results show that financial literacy and QRIS usage intensity have a significant effect on personal financial behavior, while hedonic lifestyle does not show a significant influence. These findings indicate that financial knowledge and digital payment technology play a dominant role in shaping the financial behavior of Generation Z. The study highlights the importance of strengthening financial education and digital literacy among students.