Sifa, Diva Lailis (2026) Pengaruh Kontrol Diri Dan Literasi Keuangan Terhadap Perilaku Konsumtif Dengan Moderasi Financial Technology Pada Pengguna E-Wallet Generasi Z Di Surabaya. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the effect of self-control and financial literacy on the consumptive behavior of Generation Z e-wallet users in Surabaya City, as well as the role of financial technology as a moderating variable. This research employs a quantitative approach using a survey method. The sampling technique used was purposive sampling with a total of 150 Generation Z respondents who actively use e-wallets in Surabaya City. Data were collected through questionnaires and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with the assistance of SmartPLS 4.0 software. The results show that self control does not have a negative effect on consumptive behavior, although it has a statistically significant relationship between self control and financial literacy on consumptive behavior and does not have a significant direct effect on the consumptive behavior of Generation Z. Key Words: Self control, Financial Literacy, Financial Technology, Consumptive Behavior, E-wallet
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT |
| Divisions: | Bachelor of Management |
| Depositing User: | DIVA LAILIS SIFA |
| Date Deposited: | 23 Jun 2026 04:34 |
| Last Modified: | 23 Jun 2026 04:34 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/14344 |
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