Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z

Abstract

In this ever-evolving digital era, FinTech has changed the way people manage their finances, while financial literacy plays an important role in shaping understanding and making wise financial decisions. The purpose of this study is to determine the effect of Financial Technology (FinTech) and financial literacy on financial behavior in generation Z. The research method is a literature review study with research journals for 2021-2022 with research relevant to the discussion. In searching journals with the help of the internet (google scholar) with the keywords Financial Technology, financial literacy, financial behavior and generation Z. The conclusion from this research is that the existence of Financial Technology can help people use financial services that are cheaper, easier to obtain, and easily accessible. The level of financial literacy can increase people's ability in financial planning and help them avoid risky financial instruments as well as financial behavior can provide learning how to earn money, save money, spend it in transactions rather than consumption, and invest in it to make money productive in generation Z.