Pengaruh Financial Technology dan Sikap Keuangan terhadap Perilaku Menabung dengan Literasi Keuangan sebagai Variabel Intervening pada Karyawan Generasi Z

Putri Meilinawati (Universitas Muhadi Setiabudi)
Dwi Harini (Universitas Muhadi Setiabudi)
Syariefful Ikhwan (Universitas Muhadi Setiabudi)
Indah Dewi Mulyani (Universitas Muhadi Setiabudi)
Slamet Bambang Riono (Universitas Muhadi Setiabudi)

JIMEK
Vol. 5 No. 3 (2025): November: Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)

Generation Z as a young workforce has unique characteristics in financial management, which is often influenced by the development of digital technology, especially financial technology (fintech). At PT Big, this phenomenon is seen in the increasing use of fintech, low consistency in saving, and minimal understanding of financial literacy among Generation Z employees. This study aims to analyze the influence of financial technology and financial attitudes on saving behavior, with financial literacy as an intervening variable. The study used a quantitative approach with a survey method, which was conducted at Building B of PT Big in February–June 2025. The study population consisted of 1,798 Generation Z employees, with a sample of 100 respondents selected purposively. Data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method through SmartPLS software. The results showed that financial technology had a negative and significant influence on saving behavior (T Statistic = 2.517; p-value = 0.012), which indicates that the use of fintech has the potential to encourage consumptive behavior and thus reduce saving habits. In contrast, financial attitudes have a positive and significant effect on saving behavior (T Statistic = 8.516; p-value = 0.000), confirming that individuals with good financial attitudes tend to be more consistent in setting aside funds for savings. Financial literacy is also proven to have a positive and significant effect on saving behavior (T Statistic = 2.662; p-value = 0.008), while also significantly mediating the effect of financial technology on saving behavior (T Statistic = 2.503; p-value = 0.013). However, the direct relationship between financial technology and financial literacy (T Statistic = 1.149; p-value = 0.251) and the indirect effect of financial attitudes on saving behavior through financial literacy (T Statistic = 1.242; p-value = 0.242) are not significant. These findings imply that improving financial literacy and developing prudent financial attitudes are crucial to offset the negative impact of fintech use on savings behavior among Generation Z employees.