The Influence of Fintech Payment, Digital Financial Literacy, and Lifestyle on Personal Financial Management of Generation Z E-Commerce Users in West Kalimantan
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Abstract
The rapid growth of e-commerce, fintech payment systems, and digital lifestyles has significantly influenced the financial behavior of Generation Z. This study aims to analyze the influence of fintech payment, digital financial literacy, and lifestyle on personal financial management among Generation Z e-commerce users in West Kalimantan. This study employed a quantitative associative approach using survey questionnaires distributed to 150 respondents selected through purposive sampling. The collected data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, correlation analysis, coefficient of determination, and hypothesis testing through F-test and t-test. The results indicate that all research instruments are valid and reliable. Simultaneously, fintech payment, digital financial literacy, and lifestyle significantly influence personal financial management. Partially, fintech payment has the strongest influence, followed by lifestyle and digital financial literacy. The correlation coefficient value of 0.744 indicates a strong relationship, while the coefficient of determination shows that the independent variables explain 55.3% of the variation in personal financial management. Fintech payment usage, digital financial literacy, and lifestyle significantly affect Generation Z’s personal financial management behavior. Therefore, improving digital financial literacy and responsible financial behavior is essential to support better financial management in the digital era.
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