Mr. Kurnia Aditya Pratiwi Profile

Kurnia Aditya Pratiwi

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Publications (1)

Proceedings Article | 26 June 2024 Paper

Financial literacy, self-control, and consumptive behavior in using mobile banking services by Generation Z in Indonesia

Budi Rustandi Kartawinata, Kurnia Aditya Pratiwi, Aldi Akbar, Dyah Maharani

Proceedings Volume 13188, 131880U (2024) https://doi.org/10.1117/12.3030877

KEYWORDS: Internet, Equipment, Portability, Web 2.0 technologies, Visualization, Analytical research, Reliability, Mobile devices, Computer networks, Transportation

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This research was conducted to determine the effect of Financial Literacy and Self-Control on Consumptive Behavior in Generation Z using Mobile Banking Services. The purpose of this study was to examine the effect of independent components or variables consisting of Financial Literacy and Self-Control on Consumptive Behavior which act as the dependent variable, with Generation z using mobile banking services as the object. This research uses quantitative methods with descriptive and causal research types. Sampling was carried out using the non-probability sampling method used was purposive sampling, with a total of 400 respondents. The data analysis technique used is descriptive analysis and multiple linear regression analysis. Based on the results of simultaneous hypothesis testing, Financial Literacy and Self-Control have a significant effect on Consumptive Behavior in Generation Z using Mobile Banking Services. This is evidenced by Fcount>Ftable (4,856>3.018) with a significance level of 0.008<0.05. Based on the results of partial hypothesis testing (t test) it was found that the Financial Literacy variable had a significant and positive effect on consumptive behavior, and the self-control variable had a significant and negative effect on consumptive behavior. Based on the coefficient of determination, it was found that financial literacy and self-control were able to explain consumptive behavior by 2.4% and the remaining 97.6% were influenced by other factors not examined in this study. The conclusion of this study, Financial Literacy and Self-Control in Generation Z are in the good and very good categories, but there is something that needs to be considered again to further improve Financial Literacy and Self-Control in Generation Z, it is necessary to improve financial literacy education, especially regarding how to manage risk and the advantages of various types of credit for mobile banking users, especially the z generation and more controlling shopping behavior and increasing saving behavior.

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