Pengaruh Literasi Keuangan terhadap Perilaku Pengelolaan Keuangan di Era Cashless Society dengan Mediasi Financial Technology pada Generasi Z di Cilegon

Andini Mahdaniyah (Universitas Bina Bangsa)
Furtasan Ali Yusuf (Universitas Bina Bangsa)
Kenedi Kenedi (Universitas Bina Bangsa)

Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce
Vol. 5 No. 3 (2026): September : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce

The rapid growth of digital and financial technology has changed how society manages finances, particularly among Generation Z in Cilegon City. Although this generation actively uses digital financial applications, their financial literacy remains low, reflected in high rates of impulsive buying and consumptive behavior. This study analyzes the effect of financial literacy on financial management behavior, the effect of financial literacy on financial technology, the effect of financial technology on financial management behavior, and the mediating role of financial technology in the relationship between financial literacy and financial management behavior among Generation Z in Cilegon City during the cashless society era. A quantitative approach was used, with Generation Z in Cilegon City as the population. Purposive sampling was applied, and the sample size, calculated using G*Power 3.1.9.7, resulted in 110 respondents. Data were collected through a Likert-scale questionnaire distributed via Google Form and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0. The results show that financial literacy significantly affects financial management behavior and financial technology, and that financial technology significantly affects financial management behavior while also mediating the relationship between financial literacy and financial management behavior. All four hypotheses are accepted.