JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

Analysis Influence Fintech Payment and Financial Literacy Management Finance with Behavior Consumptiveness and Self-Efficacy as Variables Mediation in Gen Z Regency Jepara

Hanif nugroho, Mohammad (Unknown)
Anna Widiastuti (Unknown)
ali (Unknown)

Article Info

Publish Date
02 Jun 2026

Abstract

This study analyzes the effect of fintech payments and financial literacy on financial management, with consumptive behavior and self-efficacy as mediating variables among Generation Z in Jepara Regency. Using a quantitative survey approach, data were collected from 145 Generation Z respondents aged 17–27 years who had used fintech payment services. Data were analyzed using SEM-PLS with SmartPLS 3.29. The results show that fintech payments affect consumptive behavior and self-efficacy but not financial management directly. Financial literacy affects financial management and consumptive behavior. Consumptive behavior and self-efficacy mediate the effect of fintech payments on financial management. Keywords: Fintech payment; financial literacy; financial management; consumptive behavior; self-efficacy; Generation Z

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

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

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...