The effect of financial technology and frugal living on financial management behavior of generation Z in Ponorogo Regency with gender as a moderating variable

Adelita Dinar Noor Sakti (Department of Management, Faculty of Economics, University of Muhammadiyah Ponorogo)
Riawan Riawan (Department of Management, Faculty of Economics, University of Muhammadiyah Ponorogo)
Titi Rapini (Department of Management, Faculty of Economics, University of Muhammadiyah Ponorogo)

Journal of Management - Small and Medium Enterprises (SME's)
Vol 19 No 3 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)

This study aims to analyze the influence of financial technology and frugal living on the financial management behavior of Generation Z in Ponorogo Regency with gender as a moderating variable. This study uses the Theory of Planned Behavior (TPB) as its basis, which explains that individual behavior is influenced by attitudes, subjective norms, and perceived behavioral control. The method used is a quantitative approach with purposive sampling technique. The research sample consisted of 160 Generation Z respondents in Ponorogo Regency who had income and used financial technology. Data collection was conducted through an online questionnaire using Google Form and analyzed using the Partial Least Square (PLS) method with SmartPLS 4.0 software. The results showed that financial technology and frugal living had a significant effect on the financial management behavior of Generation Z, but gender did not moderate the effect of financial technology and frugal living on the financial management behavior of Generation Z in Ponorogo Regency. Keywords: Financial Technology; Frugal Living; Financial Management Behavior; Gender