The Influence of Financial Literacy, Lifestyle, and E-Wallet Usage on the Financial Behavior of Generation Z University Students in South Tangerang

  • Muhammad Bintang Nur Fauzi Politeknik Keuangan Negara STAN, Banten, Indonesia
DOI: https://doi.org/10.54783/ijsoc.v8i4.820
Keywords: Financial Literacy, Lifestyle, E-Wallet, Financial Behavior, Generation Z.

Abstract

The development of digital wallets (e-wallets) has changed the way Generation Z students manage their finances, while the level of financial literacy and a consumptive lifestyle remain important issues to pay attention to. The purpose of this research is to analyze the influence of financial literacy, lifestyle, and e-wallet usage on the financial behavior of Generation Z students in South Tangerang, both partially and simultaneously. This study applies an associative quantitative approach using primary data obtained from a 1–5 Likert scale questionnaire, distributed online to 130 active students studying or residing in South Tangerang, born between 1997 and 2012, and using e-wallets. The collected data were analyzed through reliability tests, classical assumption tests including normality, multicollinearity, and heteroscedasticity, as well as multiple linear regression with the help of IBM SPSS Statistics software. The research results show that all the instruments used are reliable (Cronbach’s Alpha 0.913-0.926) and the research model has met the classical assumptions. Financial literacy (β = 0.344; p < 0.001), lifestyle (β = 0.262; p < 0.001), and e-wallet usage (β = 0.235; p < 0.001) have been proven to have a positive and significant effect on financial behavior, and together they can explain 63.2% of the variation in financial behavior (F = 72.217; p < 0.001). Financial literacy is the most dominant predictor among the other variables. The results of this study imply the need for strengthening digital financial education in higher education institutions, as well as the utilization of e-wallet features that can support recording and controlling expenses.

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Published
2026-11-11
How to Cite
Fauzi, M. B. N. (2026). The Influence of Financial Literacy, Lifestyle, and E-Wallet Usage on the Financial Behavior of Generation Z University Students in South Tangerang. International Journal of Science and Society, 8(4), 806-815. https://doi.org/10.54783/ijsoc.v8i4.820
Issue
Vol 8 No 4 (2026): International Journal of Science and Society (IJSOC)
Section
Articles

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