Jurnal Akuntansi, Manajemen dan Bisnis Digital
Vol 5 No 1 (2026): Januari

The Influence of Digital Payment, Social Media, E-Commerce, and Financial Literacy Use on The Consumer Behavior of Gen Z in Pondok Suguh District

Elnita Septiani (Universitas Dehasen Bengkulu)
Wagini Wagini (Universitas Dehasen Bengkulu)
Aji Sudarsono (Universitas Dehasen Bengkulu)



Article Info

Publish Date
17 Jan 2026

Abstract

The advancement of digital technology has changed the pattern of transactions and interactions in society, especially among Generation Z who are familiar with the internet, social media, and e-commerce. This study aims to analyze the influence of digital payment, social media, e-commerce, and financial literacy on the consumer behavior of Generation Z in Pondok Suguh District. The study used a quantitative approach with an associative method on 97 respondents selected through a simple random sampling technique. Data were collected through a Likert scale questionnaire and processed using SPSS version 22. The results showed that social media had a significant effect on consumer behavior, while digital payment, e-commerce, and financial literacy had no partial effect. However, the four variables simultaneously had a significant effect with a coefficient of determination of 0.601. Thus, social media is a dominant factor influencing the consumer behavior of Generation Z. It is hoped that the younger generation will improve their financial literacy to be wiser in using digital technology.

Copyrights © 2026






Journal Info

Abbrev

jambd

Publisher

Subject

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

Description

JURNAL AKUNTANSI, MANAJEMEN DAN BISNIS DIGITAL is a peer-reviewed journal. Journal of Accounting, Management and Digital Business invites academics and researchers who do original research in the fields of accounting, management, and Digital Business including but not limited to: Accounting Sciences ...