This study examines how Digital Financial Literacy (DFL), Financial Attitudes (FA), and Financial Knowledge (FK) affect Financial Behavior (FB) among Generation Z in Greater Jakarta, with Financial Technology (FT) acting as both a direct predictor and a mediator. Based on data from 421 respondents analyzed using PLS-SEM, the results show that DFL and FA significantly influence FB both directly and through FT. In contrast, FK does not have a direct effect, but impacts FB indirectly via FT, highlighting the enabling role of technology in translating knowledge into action. The model demonstrates strong reliability and validity. These findings emphasize the importance of integrating digital literacy, attitudinal development, and fintech tools into educational initiatives to support more effective financial behavior among youth.
| Published in | Abstract Book of the 2025 International Conference on Science, Built Environment and Engineering |
| Page(s) | 2-2 |
| Creative Commons |
This is an Open Access abstract, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited. |
| Copyright |
Copyright © The Author(s), 2025. Published by Science Publishing Group |
Digital Financial Literacy, Financial Attitudes, Financial Knowledge, Financial Behavior, Financial Technology
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