Financial Technology Adoption, Financial Literacy, and Financial Behavior among Generation Z: The Mediation Role of Financial Attitude

Siti Nurhaliza, Abel Tasman

Abstract


This study aims to analyze the influence of the adoption of financial technology and financial literacy on financial behavior, with financial attitude as a variable mediating Generation Z in West Sumatra. The method applied is a quantitative study involving 150 Generation Z in West Sumatra. The sample was selected using purposive sampling. For To analyze the data, Partial Least Square Structural Equation Modeling (PLS-SEM) was used with help SmartPLS version 4.1. 1. 8. Findings from study This show that : (1) financial technology has an influence positive and significant on financial behavior ; (2) financial literacy has an influence positive and significant on financial behavior ; (3) financial literacy has an influence significant towards financial attitude; (4) financial attitude is proven influential positive and significant towards financial behavior, and (5) financial attitude can mediate connection between financial literacy and financial behavior. Findings identify that financial literacy and financial attitude play an important role in forming financial behavior, as well as being strengthened by the appropriate use of financial technology in Generation Z. Implications study. This shows that improving literacy, finance, and formation attitude, good finances need to become the main focus, both by individuals, institutions, education, as well as provider service finance, to encourage behavior more financially wise and sustainable.

Keywords


Financial Attitude; Financial Behavior; Financial Literacy; Financial Technology; Gen Z

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DOI: https://doi.org/10.17509/ijdb.v5i4.99758

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