Published: 2025-04-01
Pengaruh Literasi Keuangan, Penggunaan E-money, dan Pengendalian Diri terhadap Perilaku Konsumtif Generasi Z di Kota Bandung
DOI: 10.35870/jemsi.v11i2.3939
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Abstract
This study aims to analyze the influence of financial literacy, e-money usage, and self-control on the consumptive behavior of Generation Z in Bandung City. Generation Z tends to have a high level of consumptive behavior due to the advancement of digital technology and the ease of access to cashless transactions. This study employs a quantitative method with a purposive sampling technique, involving 100 respondents who actively use e-money. Data analysis is conducted using multiple linear regression tests. The findings reveal that financial literacy has a negative impact on consumptive behavior, while e-money usage has a significant positive influence on consumptive behavior. Additionally, self-control acts as a moderating factor that can mitigate the negative effects of e-money usage on consumptive behavior. The implications of this study highlight the importance of financial education for Generation Z to enhance awareness of wiser financial management in the digital era.
Keywords
Financial Literacy ; E-money Usage ; Self-Control ; Consumptive Behavior ; Generation Z
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 11 No. 2 (2025)
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Section: Articles
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Published: %750 %e, %2025
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i2.3939
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Rista Asmaya Sari
Program Studi Akuntansi, Fakultas Ekonomi, Universitas Teknologi Digital, Jl. Cibogo No. indah 3, Mekarjaya Rancasari, Bandung, Jawa Barat, Indonesia.
Rola Manjaleni
Program Studi Akuntansi, Fakultas Ekonomi, Universitas Teknologi Digital, Jl. Cibogo No. indah 3, Mekarjaya Rancasari, Bandung, Jawa Barat, Indonesia.
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