<![CDATA[Purpose: This study aims to analyze the relationships among financial literacy, lifestyle, self-control, peer environment, and e-wallet usage and college students’ financial management behavior, as well as the model’s ability to explain variation in that behavior. Research Method: The study employed a cross-sectional survey design. A total of 152 responses were collected, but after screening, 150 undergraduate accounting students at STIE Wiyatamandala Jakarta—selected through purposive sampling—were analyzed using multiple linear regression. Results and Discussion: The peer group environment is positively and significantly associated with financial management behavior, whereas financial literacy, lifestyle, self-control, and e-wallet usage are not significantly associated with it. The F-test indicates that the overall model is significant and explains 72.9% of the variation in financial management behavior. These results do not imply that all predictors contribute individually; however, the strength of the peer group coefficient warrants testing for discriminant validity and common-method bias. Implications: Higher education institutions may consider group-based financial education and peer mentoring. Further research should strengthen construct validity and control for demographic and financial characteristics. Higher education institutions may consider group-based financial education and peer mentoring. Further research should strengthen construct validity and control for demographic and financial characteristics. Originality: The study integrates cognitive, personal, social, lifestyle, and transactional technology usage factors into a single model of Generation Z college students’ financial behavior.]]>
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