<![CDATA[This study aims to analyze the effect of e-wallet usage, Buy Now Pay Later (BNPL), and financial literacy on the personal financial management of Generation Z students at the Faculty of Economics and Business, Universitas Maarif Hasyim Latif Sidoarjo. The study is motivated by the increasing use of financial technology in students daily transactions, especially through digital wallets and deferred payment services. Digital payment systems provide convenience, transaction speed, and automatic transaction records, but they may also encourage consumptive behavior when users do not have adequate financial literacy. This research employed a quantitative approach using primary data collected through questionnaires from 92 respondents. The sample was selected using accidental sampling with the criteria of active Faculty of Economics and Business students who use e-wallets and BNPL services. The data were analyzed through validity tests, reliability tests, classical assumption tests, and multiple linear regression using IBM SPSS Statistics. The results show that e-wallet usage has a positive and significant effect on personal financial management. BNPL also has a positive and significant effect on personal financial management. Financial literacy has a positive and significant effect and becomes the most dominant variable. Simultaneously, e-wallet usage, BNPL, and financial literacy significantly influence Generation Z personal financial management with an R Square value of 0.928. These findings indicate that financial technology can support students financial management when it is accompanied by sufficient financial knowledge and responsible decision making.]]>
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