June 30, 2025

The Impact of Financial Education and E Wallet Usage on Personal Financial Management Among Generation Z

Key Points

Financial management behavior improved significantly with both financial education and e-wallet usage, highlighting the importance of these tools.
E-wallet usage had a stronger effect on financial management compared to financial education alone, with statistical significance established.
The study used a quantitative approach and multiple linear regression analysis on data from 80 Indonesian university students.
Integrating financial literacy and e-wallet usage can enhance financial decision-making in the digital age for young adults.

Abstract

This study examines the influence of financial education and e-wallet usage on personal financial management among Generation Z university students in Indonesia. Using a quantitative approach and multiple linear regression analysis, data were collected from 80 respondents. The results show that both financial education and e-wallet usage significantly affect financial management behavior, with e-wallet usage having a stronger impact. These findings highlight the importance of integrating practical financial education with the responsible use of digital financial tools to enhance financial management skills among Generation Z. The study suggests that improving financial literacy and promoting effective e-wallet usage can foster better financial decision-making and management in the digital era.

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Cite This Study

Dewi Rahayu (Mon,) studied this question.

synapsesocial.com/papers/68af5bb6ad7bf08b1eadf5cd https://doi.org/https://doi.org/10.32493/ebic.v2i1.51328

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