Generation Z in the Cashless Era: An Analysis of Digital Financial Literacy and Consumption Behavior: Penelitian

Meutia Maryam Sinuhaji; Keisha Maritza Azzahra; Muhammad Ariib Firaas3; Khalisha Azzahra Habibi; Karunia Ramadhan

doi:10.31004/jerkin.v4i2.3948

Authors

Meutia Maryam Sinuhaji SMA Al–Azhar Medan
Keisha Maritza Azzahra SMA Al–Azhar Medan
Muhammad Ariib Firaas3 SMA Al–Azhar Medan
Khalisha Azzahra Habibi SMA Al–Azhar Medan
Karunia Ramadhan SMA Al–Azhar Medan

DOI:

https://doi.org/10.31004/jerkin.v4i2.3948

Keywords:

Generation Z, Digital Financial Literacy, Consumption Behavior, Cashless Society

Abstract

This study aims to analyze the relationship between digital financial literacy and Generation Z's consumption behavior in the cashless era. Technological advancements and cashless payment systems have driven significant changes in people's consumption patterns, especially among Generation Z, who are known as active users of digital financial services such as e-wallets, mobile banking, and QRIS. The research method used was quantitative descriptive, with data collection techniques through questionnaires distributed to 71 respondents. The results of the study show that Generation Z has a fairly good level of digital financial literacy from the technical aspect, but it is still low in financial management and financial risk awareness. The ease of transactions and digital promotions has been shown to encourage consumptive behavior, especially in individuals with low levels of financial literacy. Therefore, increasing digital financial literacy is an important key to shaping wise consumption behavior and supporting the creation of a healthy and sustainable digital economy ecosystem in Indonesia.

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