Research Aims: This research can provide greater insight into the best strategies can support the prudent application of digital financial services that raise Generation Z's level of financial knowledge. Design/methodology/approach: Data was collected from 164 Generation Z members across 6 Indonesian islands, structural equation modeling and hypothesis testing were conducted through the use of SmartPLS 3 for data analysis. Research Findings: The findings indicate that while financial technology has little direct impact on Generation Z's knowledge of finances, digitalization and financial technologies significantly influence their financial literacy by way of the mediating influence of financial attitudes. Furthermore, the financial attitudes of Generation Z are significantly impacted by financial technology and digitization. Theoretical Contribution/Originality: Practically, the findings of this research can be used by regulators, digital financial industry players, and educational institutions to build more efficient methods to help Generation Z better understand finance.
Maulana et al. (Wed,) studied this question.
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