Quantitative analysis shows lifestyle and financial literacy enhance financial behavior in Generation Z, suggesting the role of religiosity as a moderating factor.
This study examines the impact of lifestyle choices and financial understanding on Generation Z's financial behavior in Yogyakarta with religiosity as a moderating variable during 2024/2025. Using a quantitative method, data were collected through questionnaires distributed to 200 respondents and analyzed with multiple regression. The results demonstrate that lifestyle and financial knowledge both significantly and favorably influence financial behavior, and together they also significantly influence financial behavior. Furthermore, religiosity is found to mitigate the connection between financial conduct and lifestyle.
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Pratama et al. (2025) studied this question.
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