Pengaruh Literasi Keuangan, Financial Technology, Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pada Gen Z Di Kota Surakarta
DOI:
https://doi.org/10.37385/ceej.v7i3.10495Keywords:
Literasi Keuangan, Financial Technology, Gaya Hidup, Pengelolaan Keuangan, Generasi ZAbstract
Transformasi digital dan pesatnya perkembangan financial technology (fintech) telah mengubah perilaku keuangan Generasi Z, khususnya di kalangan mahasiswa yang memiliki akses luas terhadap layanan keuangan digital. Namun, tingginya penggunaan teknologi belum tentu diimbangi dengan kemampuan pengelolaan keuangan yang memadai. Penelitian bertujuan menganalisis pengaruh literasi keuangan, financial technology, dan gaya hidup terhadap pengelolaan keuangan pada Generasi Z di Kota Surakarta. Pendekatan yang digunakan adalah kuantitatif asosiatif dengan teknik pengumpulan data melalui kuesioner skala Likert kepada 100 mahasiswa yang dipilih memanfaatkan purposive sampling. Data dianalisis mengaplikasikan metode SEM-PLS. Temuan menginformasikan bahwasanya literasi keuangan dan financial technology berpengaruh positif signifikan terhadap pengelolaan keuangan, sedangkan gaya hidup tidak berpengaruh signifikan. Temuan menegaskan bahwasanya pemahaman finansial yang baik dan pemanfaatan teknologi secara bijak menjadi faktor utama dalam meningkatkan kualitas pengelolaan keuangan Generasi Z. Implikasi dari studi menekankan pentingnya peran lembaga pendidikan dalam merancang kebijakan edukatif yang berfokus pada penguatan pemahaman finansial dan etika penggunaan layanan fintech yang bertanggung jawab.
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