PENGARUH FINTECH DAN PERILAKU KONSUMTIF TERHADAP PENGELOLAAN KEUANGAN GEN- Z

Abstract

This study aims to empirically examine the influence of financial technology and consumer behavior on the financial management of Gen-Z students in Ambon City. This study used a quantitative approach. This study involved accounting students at several universities in Ambon City. The sample consisted of final-year students who had previously used digital payment applications (e-wallet, QRIS). Data collection was conducted by distributing online questionnaires using convenience sampling. Data analysis used multiple regression with SPSS. The results found that financial technology had a positive effect on Gen-Z financial management, while consumer behavior had no effect on Gen-Z financial management.