<![CDATA[In the digital era 59.4% of Generation Z experience expenditures exceeding their income, and finance is the primary source of stress for 48% of them. This associative quantitative research aims to describe Financial Technology (Fintech) usage and financial management behavior among Generation Z in Bandung, as well as analyze the influence between both variables. A sample of 100 respondents was selected using purposive sampling. Data were collected via questionnaires and analyzed using simple linear regression, correlation test, coefficient of determination (), and hypothesis testing (t-test) via IBM SPSS Statistics. The results show that Fintech usage is in the very good category (dominated by e-wallets and m-banking), and financial management behavior is in the good category, although saving consistency and budgeting still need improvement. Fintech has a positive and significant effect on Generation Z's financial management behavior, contributing 40.8% (p < 0.05). Better Fintech usage leads to better financial management behavior among Generation Z.]]>
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