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Financial Literacy, Financial Technology & Financial Behavior Analysis in Increasing Generation Z’s Interest and Investment Decisions in a Cashless Society

In: Proceedings of the International Conference on Sustainable Green Tourism Applied Science - Social Applied Science 2024 (ICoSTAS-SAS 2024)

Author

Listed:
  • Made Ayu Jayanti Prita Utami

    (Politeknik Negeri Bali, Business Administration Department)

  • Ni Putu Rita Sintadevi

    (Politeknik Negeri Bali, Business Administration Department)

  • I Putu Okta Priyana

    (Politeknik Negeri Bali, Business Administration Department)

  • Gede Sedana Wibawa Yasa

    (Politeknik Negeri Bali, Business Administration Department)

Abstract

Financial literacy, financial technology & financial behavior are factors that influence investment interest and decisions. This research is expected to help in understanding the extent to which generation-Z has an understanding of basic financial concepts, such as money management, investment, savings, and debt. The results of this study indicate that the variables of financial literacy, financial technology & financial behavior partially affect the interest/ decision to invest from Gen-Z and Financial literacy, financial technology & financial behavior simultaneously/ together affect the interest/ decision to invest from Gen-Z. Next, the research was also conducted to find out the extent to which generation-Z uses and utilizes various fintech platforms, such as digital banking apps, digital payments, and online investments. This is important to identify barriers or challenges they may face in adopting these financial technologies. And finally, it can help in identifying their financial behavior patterns, preferences, risk propensity, and other factors that influence their financial decisions. Ultimately, they can increase their interest in investing and make better investment decisions.

Suggested Citation

  • Made Ayu Jayanti Prita Utami & Ni Putu Rita Sintadevi & I Putu Okta Priyana & Gede Sedana Wibawa Yasa, 2024. "Financial Literacy, Financial Technology & Financial Behavior Analysis in Increasing Generation Z’s Interest and Investment Decisions in a Cashless Society," Advances in Economics, Business and Management Research, in: Anak Agung Ngurah Gde Sapteka & I Gusti Lanang Made Parwita & I Komang Wiratama & Fransiska Moi & Ko (ed.), Proceedings of the International Conference on Sustainable Green Tourism Applied Science - Social Applied Science 2024 (ICoSTAS-SAS 2024), pages 266-274, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-622-2_30
    DOI: 10.2991/978-94-6463-622-2_30
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