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September 10, 2025Open Access

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

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Authors

AEAngelica ElaineEDEvani Kurnia DharmaRARita Amelinda

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Overview

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

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.

Cite This Study

Elaine et al. (2025) studied this question.

synapsesocial.com/papers/68c1b80c54b1d3bfb60ebbechttps://doi.org/10.32535/jicp.v8i1.3941
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