<![CDATA[The rapid development of financial technology has increased the use of E-Wallets among Generation Z. E-Wallets provide convenience in digital transactions and are widely used by young people in their daily activities. This study aims to analyze the influence of E-Wallet usage, income, and lifestyle on Generation Z financial management behavior through self-efficacy as a mediating variable. The research method used a quantitative approach with an associative design. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. Before the main analysis, the data were tested using validity and reliability tests. The results showed that E-Wallet usage had a positive and significant effect on financial management behavior with a T-Statistic value of 7.627, while income and lifestyle did not have a significant effect with T-Statistic values of 1.618 and 0.316, respectively. Self-efficacy had a positive and significant effect on financial management behavior with a T-Statistic value of 3.869. This study concludes that E-Wallet usage and self-efficacy positively influence Generation Z financial management behavior, while income and lifestyle do not significantly affect financial management behavior.]]>
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