Santika, Rifda Ayu (2025) PENGARUH DIGITAL PAYMENT, LITERASI KEUANGAN, DAN SIKAP KEUANGAN TERHADAP PERILAKU KEUANGAN GENERASI Z. S1 thesis, Universitas Mercu Buana Jakarta - Menteng.
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Abstract
Perkembangan teknologi finansial mendorong maraknya penggunaan digital payment di kalangan Generasi Z di Jakarta. Meski memudahkan transaksi, kemudahan ini belum selalu berdampak positif pada perilaku keuangan tanpa dukungan literasi dan sikap keuangan yang memadai. Penelitian ini menganalisis pengaruh digital payment, literasi keuangan, dan sikap keuangan terhadap perilaku keuangan Generasi Z menggunakan pendekatan kuantitatif, survei pada 100 responden, dan analisis Structural Equation Modeling Partial Least Squares (SEM-PLS). Hasil analisis menunjukkan bahwa digital payment tidak berpengaruh signifikan terhadap perilaku keuangan, dengan nilai T-Statistic sebesar 1,065, P-Value 0,287, dan kontribusi efek (f²) 0,011 yang termasuk kategori lemah. Sebaliknya, literasi keuangan berpengaruh positif dan signifikan dengan nilai T-Statistic sebesar 3,391, P-Value 0,001, dan kontribusi efek (f²) 0,137 yang berada pada kategori sedang. Sikap keuangan memberikan pengaruh positif dan signifikan paling dominan, dengan nilai T-Statistic sebesar 7,609, P-Value 0,000, serta kontribusi efek (f²) 0,549 yang termasuk kategori kuat. Dengan demikian, penelitian ini menyimpulkan bahwa perilaku keuangan Generasi Z di Jakarta lebih dipengaruhi oleh literasi dan sikap keuangan dibandingkan oleh penggunaan digital payment, sehingga peningkatan kualitas perilaku finansial perlu difokuskan pada penguatan literasi dan pembentukan sikap keuangan yang bijak.Temuan ini menegaskan bahwa pengetahuan dan sikap bijak lebih menentukan perilaku keuangan dibanding kemudahan teknologi. Penelitian ini mengintegrasikan Technology Acceptance Model (TAM), Financial Literacy Theory, dan Theory of Planned Behavior (TPB), serta merekomendasikan edukasi keuangan adaptif untuk mendukung SDGs, khususnya tujuan 4, 8, dan 10. The development of financial technology has driven the widespread use of digital payments among Generation Z in Jakarta. Although digital payments facilitate transactions, this convenience does not always have a positive impact on financial behavior without adequate financial literacy and sound financial attitudes. This study analyzes the influence of digital payment, financial literacy, and financial attitude on the financial behavior of Generation Z using a quantitative approach, a survey of 100 respondents, and Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results show that digital payment has no significant effect on financial behavior, with a T-Statistic value of 1.065, P-Value of 0.287, and an effect size (f²) of 0.011, categorized as weak. In contrast, financial literacy has a positive and significant effect, with a T-Statistic value of 3.391, PValue of 0.001, and an effect size (f²) of 0.137, categorized as medium. Financial attitude has the strongest positive and significant effect, with a T-Statistic value of 7.609, P-Value of 0.000, and an effect size (f²) of 0.549, categorized as strong. Thus, the study concludes that the financial behavior of Generation Z in Jakarta is more strongly influenced by financial literacy and financial attitude than by digital payment usage, suggesting that improving financial behavior requires strengthening financial literacy and cultivating wise financial attitudes. These findings emphasize that knowledge and prudent attitudes play a more decisive role in shaping financial behavior than technological convenience. This research integrates the Technology Acceptance Model (TAM), Financial Literacy Theory, and the Theory of Planned Behavior (TPB), and recommends adaptive financial education to support the Sustainable Development Goals (SDGs), particularly goals 4, 8, and 10.
| Item Type: | Thesis (S1) |
|---|---|
| NIM/NIDN Creators: | 43121010168 |
| Uncontrolled Keywords: | Digital payment, literasi keuangan, sikap keuangan, perilaku keuangan, Generasi Z. Digital payment, Financial literacy, Financial attitude, Financial behavior, Generation Z. |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum |
| Divisions: | Fakultas Ekonomi dan Bisnis > Manajemen |
| Depositing User: | ARDIFTA DWI AFRIANI |
| Date Deposited: | 28 Jan 2026 02:27 |
| Last Modified: | 28 Jan 2026 02:27 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/100755 |
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