Agustin, Nadia Fitri (2026) Pengaruh Literasi Keuangan, Pendapatan, Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Generasi Z dengan Financial Technology Sebagai Variabel Moderasi. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the influence of financial literacy, income, and lifestyle on the financial management behavior of Generation Z with financial technology as a moderating variable. Generation Z is the largest productive age group in Indonesia that has grown alongside the development of digital technology, yet still faces challenges in personal financial management. This research uses a quantitative approach with a survey method through online questionnaire distribution to 140 Generation Z respondents domiciled in Surabaya, aged 18–28 years, who have worked and have income, and use fintech services. The sampling technique used stratified sampling and data were analyzed using Structural Equation Model-Partial Least Square (SEM-PLS) with the help of SmartPLS 4.0 software. The results showed that financial literacy and lifestyle have a positive and significant effect on financial management behavior, while income has no significant effect. Financial technology is proven to moderate the influence of financial literacy and lifestyle on financial management behavior, but is unable to moderate the influence of income. These findings indicate that increasing financial literacy and planned lifestyle, as well as wise use of fintech, can encourage better financial management behavior in Generation Z. This research provides implications for educational institutions and regulators in designing financial literacy programs and intervention strategies that consider the role of financial technology among the younger generation.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 657 - ACCOUNTING 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 657 - ACCOUNTING > 657.042 - FINANCIAL ACCOUNTING |
| Divisions: | Bachelor of Accountancy |
| Depositing User: | Nadia Fitri Agustin |
| Date Deposited: | 13 Apr 2026 02:59 |
| Last Modified: | 13 Apr 2026 02:59 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/14074 |
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