Factors Affecting Gen Z's Financial Behavior

Abstract

The purpose of this research is essentially to clarify the impact of digital financial applications on Gen Z's ability and habits in managing their finances, which could ultimately serve as recommendations for the development of applications or financial policies in the future. The method used in this research is to examine the effect of using digital financial applications, Financial Literacy, Financial Inclusion to   Gen Z”s financial behavior .Testing the influence between Three variables using regression analysis by conducting the Model Significance Test (F-test), Coefficient Significance Test (t-test), and Goodness Of Fit Test (Coefficient of Determination) with the help of SPSS Research results show that digital applications, financial literacy, and financial inclusion have a positive impact on Gen Z's financial behavior.