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September 10, 2025Edelweiss Applied Science and TechnologyOpen Access

The influence of financial literacy, financial attitude, and lifestyle on financial management behavior in paylater usage among generation Z: The moderating role of locus of control

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Financial management behavior is significantly influenced by financial literacy, attitudes, and lifestyle choices.
Approximately 400 valid responses were collected via an online survey using a 5-point Likert scale.
Analysis utilized multiple linear regression on data gathered from Generation Z Paylater users in Indonesia.
Findings suggest a strong internal locus of control may weaken the relationship between lifestyle and financial attitudes on financial behavior.

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Implication

Analysis shows financial literacy and attitudes significantly impact financial behavior in Generation Z, suggesting improvements for responsible borrowing.

Cite This Study

Veneya et al. (2025) studied this question.

synapsesocial.com/papers/68c1c31254b1d3bfb60f04c4 https://doi.org/10.55214/2576-8484.v9i8.9223

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Implication

Analysis shows financial literacy and attitudes significantly impact financial behavior in Generation Z, suggesting improvements for responsible borrowing.

The influence of financial literacy, financial attitude, and lifestyle on financial management behavior in paylater usage among generation Z: The moderating role of locus of control

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Discussion

Implication

Cite This Study

The influence of financial literacy, financial attitude, and lifestyle on financial management behavior in paylater usage among generation Z: The moderating role of locus of control

Key Points

Discussion

Implication

Cite This Study

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