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June 28, 2025Open Access

The Impact of Financial Literacy, Self-Control, and Digital Payment Usage on Generation Z's Consumer Behavior in West Jakarta

Angelica Elaine Evani Kurnia Dharma Rita Amelinda

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Key Points

Higher financial literacy negatively influences consumer behavior, reducing excessive spending.
Self-control is linked to more thoughtful purchasing decisions among Generation Z consumers.
Digital payment usage positively affects consumerism, indicating it may lead to impulsive buying habits.
The findings highlight the need for better financial education tailored to Generation Z.

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Implication

Quantitative analysis shows financial literacy and self-control reduce consumerism in Generation Z, while digital payment usage suggests increased impulsive buying.

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Cite This Study

Elaine et al. (2025) studied this question.

synapsesocial.com/papers/68c1b80c54b1d3bfb60ebbec https://doi.org/10.32535/jicp.v8i1.3941

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