Pengaruh Penggunaan E-wallet, Literasi Keuangan, dan Self-Control Terhadap Perilaku Keuangan Cashless Society Pada Generasi Z di Surabaya

Supriya, Amanda (2025) Pengaruh Penggunaan E-wallet, Literasi Keuangan, dan Self-Control Terhadap Perilaku Keuangan Cashless Society Pada Generasi Z di Surabaya. Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

The rapid development of digital technology has brought significant changes to payment systems. This has led to a shift in habits from cash transactions to cashless payments. This phenomenon is known as a cashless society, which has impacted financial behavior. In light of these changes in the financial behavior of a cashless society, it is important to examine the factors that influence financial behavior. This study aims to determine and analyze the influence of e-wallet use, financial literacy, and self-control on the financial behavior of a cashless society among Generation Z in Surabaya. The method used in this study is quantitative, with a questionnaire distributed online via the Google Forms platform to 100 respondents. This study focuses on Generation Z in Surabaya as the population, with purposive sampling used. The Partial Least Squares (PLS) method was used for data analysis. This study found that 1) E-wallet usage has a positive and significant effect on the financial behavior of cashless people. 2) Financial literacy has a positive and significant effect on the financial behavior of cashless people. 3) Self-control has a positive and significant effect on the financial behavior of cashless people. Keywords: E-wallet usage, financial literacy, self-control, financial behavior of cashless people.

Item Type:

Thesis (Undergraduate)

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