<![CDATA[The rapid development of financial technology, combined with varying levels of financial literacy, is a crucial factor influencing the financial behavior of Generation Z. This study aims to examine the effect of financial technology and financial literacy on the financial behavior of Generation Z in Semarang City. A quantitative approach was employed, using a survey method involving 397 Generation Z respondents selected through purposive sampling. Data were collected via questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial technology and financial literacy have a positive and significant effect on the financial behavior of Generation Z in Semarang City. These findings suggest that the utilization of technology-based financial services, supported by adequate financial literacy, contributes to fostering more responsible financial behavior. Therefore, efforts to enhance financial literacy and the proper use of financial technology should continue to be promoted among Generation Z.]]>
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