Abstract
The purpose of this study is to examine the relationship of Socialization Agents, Spending Behavior, saving behavior, Financial Attitude with Shaping the Financial Behavior while mediated by DFL Integration. The current study employing questionnaire to collect data from a purposive sampling in Pakistan sample of university students in Karachi. The data was analyzed using the Smart PLS software. The study aims to provide a comprehensive analysis of the various socialization agents that influence millennials' financial behaviors. The study can offer insights into how to promote better financial outcomes for this generation. These findings can be useful for the banking industry; financial sectors and online fintech platforms. Findings demonstrate that Gen Z millennials in Pakistan have lack proper spending and saving patterns because of a lack of financial integration (DFL). Agents of socialization and financial attitude have a beneficial effect on DFL, who exhibit strong financial decision-making skills.
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