<![CDATA[This study aims to examine the influence of financial literacy on financial management behavior among Generation Z women in West Java, Indonesia and to investigate the mediating roles of Perceived fintech and Perceived education in this relationship. A quantitative approach to causality was employed by applying a partial least squares structural equation modelling (PLS-SEM) framework to test the relationships between the research variables. Data were collected via a questionnaire using purposive sampling; 400 respondents (93.6 per cent) meeting the criteria were selected from a total of 427 Generation Z women representing a variety of educational and socio-economic backgrounds in West Java. The research findings indicate that financial literacy, perceived fintech and perceived educational attainment have a significant direct influence on financial management behaviour. The findings also show that perceived fintech and perceived educational attainment act as partially significant mediating variables in the relationship between financial literacy and financial management behaviour amongst Generation Z women. These findings highlight the importance of integrating financial and literacy into perceived educational programs and strengthening trust in perceived fintech services to improve financial management behavior among Generation Z women in the digital age. Policymakers, educational institutions, and financial service providers should collaborate to develop inclusive perceived education initiatives that enhance both financial knowledge and the effective use of digital financial services. This study contributes to the financial behavior literature by integrating perceived fintech and perceived education as mediating variables in explaining the relationship between financial literacy and financial management behavior among Generation Z women in West Java]]>
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