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; Hans Victor Sitepu

doi:10.58251/ekonomi.1783418

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

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.

Keywords

Supporting Institution

This research was conducted under the academic supervision of Sekolah Tinggi Ilmu Ekonomi GICI from Depok of Indonesia

Ethical Statement

We have nothing to declare any financial and personal relationships with other people or organizations that could inappropriately influence or bias their work. This research did not receive any specific grant from funding agencies in the public, commercial, or not-for-profit sectors. There are no any patents or copyrights an author may have that are relevant to the work in the manuscript. The data that was used in this research is available upon request to the authors. We adhered to ethical guidelines by some ways, including maintaining data confidentiality, obtaining informed consent, and protecting privacy. The use of Gen-AI tools for this research is strictly limited only for the Grammar and Spelling purposes

Thanks

We would like to express our deepest appreciation to all the academic staff of Sekolah Tinggi Ilmu Ekonomi GICI from Depok of Indonesia, and all the Generation Z of Bekasi as the respondent, for the support provided to this research.

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Details

Primary Language

English

Subjects

Informal Economy, Microeconomics (Other)

Journal Section

Research Article

Authors

Sri Wahyudinningsih This is me
0009-0008-8107-8761
Indonesia

Hans Victor Sitepu ^*
0000-0002-1785-7882
Indonesia

Early Pub Date

March 22, 2026

Publication Date

March 22, 2026

Submission Date

September 14, 2025

Acceptance Date

March 22, 2026

Published in Issue

Year 2025 Number: Advanced Online Publication

DOI

https://doi.org/10.58251/ekonomi.1783418

IZ

https://izlik.org/JA56TJ76DC

Cite

RIS / Bibtex

APA

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, Advanced Online Publication, 30-44. https://doi.org/10.58251/ekonomi.1783418

AMA

1.Wahyudinningsih S, Sitepu HV. 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. JOE. 2026;(Advanced Online Publication):30-44. doi:10.58251/ekonomi.1783418

Chicago

Wahyudinningsih, Sri, and Hans Victor Sitepu. 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, no. Advanced Online Publication: 30-44. https://doi.org/10.58251/ekonomi.1783418.

EndNote

Wahyudinningsih S, Sitepu HV (March 1, 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 Advanced Online Publication 30–44.

IEEE

[1]S. Wahyudinningsih and H. V. Sitepu, “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”, JOE, no. Advanced Online Publication, pp. 30–44, Mar. 2026, doi: 10.58251/ekonomi.1783418.

ISNAD

Wahyudinningsih, Sri - Sitepu, Hans Victor. “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. Advanced Online Publication (March 1, 2026): 30-44. https://doi.org/10.58251/ekonomi.1783418.

JAMA

1.Wahyudinningsih S, Sitepu HV. 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. JOE. 2026;:30–44.

MLA

Wahyudinningsih, Sri, and Hans Victor Sitepu. “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, no. Advanced Online Publication, Mar. 2026, pp. 30-44, doi:10.58251/ekonomi.1783418.

Vancouver

1.Sri Wahyudinningsih, Hans Victor Sitepu. 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. JOE. 2026 Mar. 1;(Advanced Online Publication):30-44. doi:10.58251/ekonomi.1783418