Pengaruh Financial Literacy dan Financial Technology terhadap Financial Behavior dengan Hedonistic Lifestyle sebagai Variabel Mediasi pada Pengguna GoPay

Stephanie, Ivena (2025) Pengaruh Financial Literacy dan Financial Technology terhadap Financial Behavior dengan Hedonistic Lifestyle sebagai Variabel Mediasi pada Pengguna GoPay. Undergraduate thesis, Universitas Pembangunan Jaya.

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1.Pendahuluan.pdf
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2.Abstract.pdf
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3.Abstrak.pdf
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4.Daftar Isi.pdf
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5.Daftar Gambar.pdf
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6.Daftar Tabel.pdf
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7.Daftar Lampiran.pdf
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8.BAB I.pdf
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9.BAB II.pdf
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10.BAB III.pdf
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11.BAB IV.pdf
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12.BAB V.pdf
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13.Daftar Pustaka.pdf
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14.Lampiran.pdf
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15.Berita Acara Unggah Mandiri.pdf
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16.Bukti Lolos Similarity.pdf
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Abstract

This study aims to examine the influence of financial literacy and financial technology on financial behavior with hedonistic lifestyle as a mediating variable, focusing on GoPay users among Generation Z in South Tangerang. The rise of digital financial services, especially e-wallet platforms, has shifted consumer behavior toward cashless and increasingly impulsive spending patterns. Using a quantitative approach, this research collected data from 119 respondents and employed Structural Equation Modeling (SEM) with SmartPLS for analysis. The results reveal that financial literacy does not have a significant direct effect on financial behavior, but it does have a significant influence on hedonistic lifestyle, which in turn affects financial behavior. In contrast, financial technology shows both a direct and indirect significant effect on financial behavior through hedonistic lifestyle. These findings indicate that financial knowledge may influence financial behavior more effectively when mediated by lifestyle-related factors. Moreover, financial technology plays a vital role in shaping both lifestyle and digital financial decisions among youth. This study contributes theoretically by integrating lifestyle into behavioral finance models and offers practical implications for financial educators, FinTech developers, and policy-makers aiming to promote healthy financial habits in the digital era.

Item Type: Karya Tulis Ilmiah (KTI) (Undergraduate)
Uncontrolled Keywords: Literasi Keuangan, Teknologi Keuangan, Gaya Hidup Hedonistik, Perilaku Keuangan, GoPay, Generasi Z
Subjects: H Social Sciences > HF Commerce
H Social Sciences > HG Finance
Divisions: Fakultas Humaniora dan Bisnis > Prodi Manajemen
Depositing User: Ivena Stephanie
Date Deposited: 22 Jul 2025 06:40
Last Modified: 22 Jul 2025 06:42
URI: http://eprints.upj.ac.id/id/eprint/11367

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