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Journals / Journal of Ekonomi / 2026 / Volume: 8 Issue: 1

The impact of financial literacy, financial self-efficacy, and fintech payment on the financial behavior of generation Z – study case in Bekasi District of Indonesia

Sri Wahyudinningsih(Sekolah Tinggi Ilmu Ekonomi GICI)0009-0008-8107-8761
Hans Victor Sitepu(Sekolah Tinggi Ilmu Ekonomi GICI)0000-0002-1785-7882
Pages
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Publication Date
2026-03-22
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

The results showed that all three variables had a positive and significant effect, both partially and simultaneously, on financial behavior.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:This study aims to analyze the influence of financial literacy, financial self-efficacy, and fintech payments on the financial behavior of Generation Z in Bekasi Regency of Indonesia.
📊
Key Findings & Data:An associative quantitative method was used with 400 Generation Z respondents with incomes and domiciled in Bekasi Regency.
💡
Conclusion & Impact:The results showed that all three variables had a positive and significant effect, both partially and simultaneously, on financial behavior.
🔬Design:Research Article
📍Scope:Comprehensive Sample
⚙️Variables:Financial Literacy · Financial Self-efficacy · Fintech Payment

Abstract

This study aims to analyze the influence of financial literacy, financial self-efficacy, and fintech payments on the financial behavior of Generation Z in Bekasi Regency of Indonesia. An associative quantitative method was used with 400 Generation Z respondents with incomes and domiciled in Bekasi Regency. Data were analyzed using multiple linear regression. Several significant conclusions can be drawn from the statistical test. The results showed that all three variables had a positive and significant effect, both partially and simultaneously, on financial behavior. With the result of this research, the government is encouraged to implement a variety of policies aimed at improving financial literacy, financial self-efficacy, and the usage of fintech payments in order to promote safe financial behavior and boost economic growth. Future researchers should widen their study by increasing the number and variety of respondents, and consider additional aspects of Generation Z's financial behavior.

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Cite This Article

Wahyudinningsih, S., Sitepu, H. V. (2026). The impact of financial literacy, financial self-efficacy, and fintech payment on the financial behavior of generation Z – study case in Bekasi District of Indonesia. Journal of Ekonomi, Volume: 8 Issue: 1. https://doi.org/10.58251/ekonomi.1783418

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