<![CDATA[The development of financial technology (fintech) in Indonesia has led to the rapid growth of the online lending ecosystem, particularly among Generation Z, who have grown up in the digital era. This article examines the relationship between the ease of access to online loans and the consumer behavior patterns of Generation Z, as well as its impact on individual financial health and national economic stability. Using a descriptive-analytical approach, this study finds that the convenience, speed, and minimal requirements of online lending services have encouraged impulsive spending behavior among young people, particularly for lifestyle-related needs such as fashion, entertainment, and culinary activities. The article also discusses the financial risks associated with online lending and proposes policy recommendations and financial education initiatives as preventive solutions.]]>
Copyrights © 2026
