THE INFLUENCE OF DOOM SPENDING, FINANCIAL LITERACY, AND FINANCIAL TECHNOLOGY UTILIZATION ON THE FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z

Authors

  • Feby Dwi Andryani Universitas Islam Lamongan
  • Abdul Ghofur Universitas Islam Lamongan
  • Rosdiyati Rosdiyati Universitas Islam Lamongan
  • Erna Hayati Universitas Islam Lamongan

Keywords:

Doom Spending, Financial Literacy, Financial Technology Utilization, Financial Management Behavior of Generation Z

Abstract

This study aims to examine the influence of doom spending, financial literacy, and the utilization  of  financial  technology  on  the financial management behavior of Generatio This research employed a quantitative approach using primary data. Data were collected through questionnaires distributed to Generation Z accounting students in Lamongan Regency. Multiple linear regression analysis was used to examine the partial and simultaneous effects of the independent variables, with the assistance of IBM SPSS Statistics version 27. The results indicate that doom spending has no significant effect on the financial management behavior of Generation Z, while financial literacy has a significant positive effect on their financial management behavior. In contrast, the utilization of financial technology does not have a significant effect on the financial management behavior of Generation Z. Simultaneously, doom spending, financial literacy, and the utilization of financial technology have a significant effect on the financial management behavior of Generation Z.

References

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Published

2026-10-20

How to Cite

Dwi Andryani, F., Ghofur , A., Rosdiyati, R., & Hayati, E. (2026). THE INFLUENCE OF DOOM SPENDING, FINANCIAL LITERACY, AND FINANCIAL TECHNOLOGY UTILIZATION ON THE FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z. JEKMA (Jurnal Ekonomi Mahasiswa), 4(2), 299–308. Retrieved from https://jurnalekonomi.unisla.ac.id/index.php/JEKMA/article/view/2906

Issue

Vol. 4 No. 2 (2026): Jurnal Ekonomi Mahasiswa (JEKMA)

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Artikel

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Copyright (c) 2026 Feby Dwi Andryani, Abdul Ghofur , Rosdiyati Rosdiyati, Erna Hayati

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