August 2, 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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Authors

KVKeisha VeneyaCollege of Accounting VDVisca Aretha DehandriCollege of Accounting LLLidiyawati LidiyawatiBinus University

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Implication

Observational analysis reveals financial literacy and attitudes significantly impact financial management behavior in Generation Z, indicating the role of locus of control.

Key Points

Financial management behavior is significantly influenced by financial literacy and financial attitudes, and lifestyle choices.
Locus of control weakens the relationship between lifestyle and financial management behavior, but does not affect financial literacy's impact.
Data collected via an online survey of 400 Generation Z Paylater users in Indonesia was analyzed using multiple linear regression.
Findings suggest that promoting financial literacy is vital, especially amidst the rise of Paylater services among youth.

Cite This Study

Veneya et al. (2025) studied this question.

synapsesocial.com/papers/68af296ecf1dd9ea359e2a29 https://doi.org/10.55214/2576-8484.v9i8.9223

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Implication

Observational analysis reveals financial literacy and attitudes significantly impact financial management behavior in Generation Z, indicating the role of locus of control.

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

Discussion

Member takes

Implication

Key Points

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

Discussion

Member takes

Implication

Key Points

Cite This Study

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Also Consider