The Effect Of Financial Literacy, Financial Attitude, And Self-Control On Saving Behavior Of E-Wallet Users
DOI:
https://doi.org/10.31000/bvaj.v9i2.15283Keywords:
Financial Literacy, Financial Attitude, Self-Control, Saving Behavior, Generation Z, E-WalletsAbstract
This study examines the influence of financial literacy, financial attitude, and self-control on saving behavior among Generation Z users of e-wallets. A quantitative approach was employed by distributing surveys to 89 Generation Z respondents who actively use e-wallet platforms. The findings reveal that financial attitude has a positive and significant effect on saving behavior, indicating that a positive mindset, future orientation, and responsible financial attitudes are key psychological factors that drive consistent saving habits in the digital era. In contrast, financial literacy and self-control show no significant impact, suggesting that financial knowledge and personal discipline alone are insufficient to translate into actual savings practices in fast-paced digital payment environments. These results highlight the importance of strengthening financial attitudes and cultivating healthy financial mindsets to effectively encourage saving behavior among young adults, particularly within the rapidly evolving digital finance ecosystem.
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