Financial Literacy, Lifestyle, and Fintech in Gen Z Financial Management
Keywords:
Consumptive Lifestyle, Financial Literacy, Financial Management Ability, Fintech Usage, Generation ZAbstract
This study examined the influence of financial literacy, consumptive lifestyle, and fintech usage on the financial management ability of Generation Z students. A quantitative survey was conducted with 100 student respondents, and the data were analyzed using multiple linear regression in SPSS. Instrument testing confirmed that all items were valid and reliable. The regression model was significant (F = 17.069, p < 0.001) and explained 34.8% of the variance in financial management ability (R² = 0.348; Adjusted R² = 0.327). Financial literacy (B = 0.527, p < 0.001) and fintech usage (B = 0.247, p < 0.001) were positive and significant predictors, whereas consumptive lifestyle showed a negative but non-significant coefficient (B = -0.071, p = 0.330). These results suggest that strengthening financial knowledge and supporting effective use of digital financial tools are more closely associated with students' financial management ability than lifestyle orientation alone.
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Copyright (c) 2026 Ahmad Zaki Maulana, Olivia Agustina Salsabila, Arfan Tsani Muladi (Author)
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