The Effect Of Financial Literacy, Financial Attitude, And Self-Control On Saving Behavior Of E-Wallet Users
DOI:
https://doi.org/10.31000/bvaj.v9i2.15283Kata Kunci:
Financial Literacy, Financial Attitude, Self-Control, Saving Behavior, Generation Z, E-WalletsAbstrak
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.
Referensi
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-T
Anastasya, A., & Pamungkas, A. S. (2023). Pengaruh financial literacy, financial attitude, dan self control terhadap saving behavior. Jurnal Manajerial Dan Kewirausahaan, 5(2), 343–352.
Andhyka, B., Yustisiana, R., & Widayadi, W. (2024). The improvement of financial literacy and digital payment behavior in Generation Z: A literature review. International Journal of Business and Technology Management. https://doi.org/10.55057/ijbtm.2024.6.2.55
Angelyna, & Tannia. (2025). Literasi keuangan terhadap perilaku menabung Gen Z dengan moderasi pengaruh sosial. Business Management Journal, 21(1), 83–98. https://doi.org/10.30813/bmj.v21i1.8142
Azzahra, F. I., & Imlika, L. H. D. (2024). Pengaruh literasi keuangan, inklusi keuangan, kontrol diri, dan teman sebaya terhadap perilaku menabung generasi Z. Jurnal Media Akademik, 2(12), 3031–5220. https://doi.org/10.62281/v2i12.1421
Bakar, R., Fauziyah, N., & Rahmat, A. (2025). Do consumers perceive impulsive buying and pain of payment? E-commerce transactions using pay later, e-wallet, and cash-on-delivery. Gadjah Mada International Journal of Business, 27(1), 31–59. http://journal.ugm.ac.id/gamaijb
Banowati, A. T., Al-Azizah, U. S., & Amar, F. (2024). Pengaruh financial literacy, lifestyle, dan self-control terhadap saving behavior generasi Z Jakarta Selatan. Jurnal Manajerial, 11(1), 166. https://doi.org/10.30587/jurnalmanajerial.v11i01.6300
Charista, B. T., Tendean, R. L., & Malelak, M. I. (2022). Pengaruh financial knowledge, financial attitude, dan financial self efficacy terhadap saving behavior pada pengguna e-commerce generasi Z. Jurnal Distribusi, 10(2), 141. https://doi.org/10.29303/distribusi.v10i2.228
Dahal, L. (2024). Exploring the influence of financial literacy, parental, self control, and peer factors on saving behavior. https://doi.org/10.2991/aebmr.k.220501.085
Dewi, V. I., Effendi, N., Ervani, E., & Sapulette, S. (2025). Do financial knowledge and e-payment awareness affect saving and spending behavior? The mediating role of financial risk tolerance. Gadjah Mada International Journal of Business, 27(2), 149–173.
Elaine, A., Dharma, E. K., & Amelinda, R. (2025). The Impact of Financial Literacy , Self-Control , and Digital Payment Usage on Generation Z ’ s Consumer Behavior in West Jakarta. 8(1), 434–448.
Hayati, W. (2023). Pengaruh hedonic shopping value dan shopping lifestyle terhadap impulse buying pelanggan belanja online.
Indah, M., & Agustin, H. (2019). Penerapan model UTAUT untuk memahami niat dan perilaku aktual pengguna Go-Pay di Kota Padang. Jurnal Eksplorasi Akuntansi, 1(4), 1949–1967. https://doi.org/10.24036/jea.v1i4.188
Kamis, J., Samad, N. A., Pheng, L. S., Rasli, S., Mohd Hajali, S. H., & Peing, S. E. F. (2021). Money attitude and socio-demographic factors as determinants of university students’ spending behavior in Shah Alam, Malaysia. Jurnal Ilmiah Akuntansi Universitas Pamulang, 9(1), 65. https://doi.org/10.32493/jiaup.v9i1.7075
Kusumapradana, B. S., & Aisyah, S. (2022). The effect of financial literacy and financial attitude on the use of digital wallets among students in Surakarta City. AJAR: Atma Jaya Accounting Research, 5(2), 193–206. https://doi.org/10.35129/ajar.v5i02.346
Lim, C. T., & Cordova, W. (2024). Decoding the eco-financial mindset: Financial literacy, attitudes, and efficacy measures and the spending behavior of Filipino millennials. BIO Web of Conferences, 93, 5010. https://doi.org/10.1051/bioconf/20249305010
Miranda, N., Putri, E., & Sudaryanto, B. (2022). ANALISIS PENGARUH PRICE DISCOUNT DAN DAYA TARIK IKLAN PADA APLIKASI E-WALLET TERHADAP PEMBELIAN IMPULSIF KONSUMEN GENERASI Z ( Studi Pada Mahasiswa Universitas Diponegoro Semarang ). 11(2021), 1–13.
Modigliani, F., & Ando, A. K. (1957). TESTS OF THE LIFE CYCLE HYPOTHESIS OF SAVINGS: COMMENTS AND SUGGESTIONS. Bulletin of the Oxford University Institute of Economics & Statistics, 19(2), 99–124. https://doi.org/https://doi.org/10.1111/j.1468-0084.1957.mp19002002.x
Modigliani, F., Brumberg, R., & Kurihara, K. (1954). Post-Keynesian Economics:Utility analysis and the consumption function: an interpretation of cross-section data (Vol. 6). Rutgers University Press New Brunswick (NJ).
Muhamad, N. (2023). Proporsi Pilihan Metode Pembayaran Digital yang Digunakan Responden saat Belanja di E-Commerce. Databoks. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/5ec97fa4c38fa8b/e-wallet-metode-pembayaran-digital-yang-paling-banyak-digunakan-warga-ri-saat-belanja-online
Natswa, S. L., & Subagyo. (2024). Gen Z’s cashless behavior: How QRIS moderating digital financial literacy and spending behavior affects on e-wallet utilization? KnE Social Sciences, 306–324. https://doi.org/10.18502/kss.v9i4.15078
Perangin-angin, N., Fachrudin, K. A., & Irawati, N. (2022). The effect of financial literacy, financial inclusion and financial attitude on saving behavior with self control as moderation: Study on households in Cingkes Village, Dolok Silau District, Simalungun Regency. International Journal of Research and Review, 9(1), 470–477. https://doi.org/10.52403/ijrr.20220153
Pulawan, I. M., Ayu, D., Widari, P. N., & Martadiani, A. A. M. (2024). Moderation of life style on the influence of financial literacy and self-control on the saving behavior of millennial employees in Denpasar City. International Journal of Current Science Research and Review, 7(10), 7665–7674. https://doi.org/10.47191/ijcsrr/V7-i10-21
Putri, J. N., & Andayani, S. (2024). Pengaruh financial literacy, financial attitude, dan financial self-efficacy terhadap saving behavior pengguna Paylater. Al-Buhuts (E-Journal). https://repository.upnjatim.ac.id/26419/
Rachmawati, E. W. (2022). Analisis pengaruh kemudahan pembayaran e-wallet, gaya hidup, dan purchase intention terhadap perilaku konsumtif mahasiswa pada masa pandemi Covid-19. https://repofeb.undip.ac.id/id/eprint/11579
Ramadanti, H. R. A. S., Nawir, J., & Marlina. (2021). Analisis Perilaku Keuangan Generasi Z pada Cashless Society . In Jurnal Visionida (Vol. 7, Issue 2, pp. 96–109). https://doi.org/10.30997/jvs.v7i2.4488
Rifnuputri, N. R., Gusaptono, R. H., & Satoto, S. H. (2024). Analysis the influence of financial literacy, social environment and self-control on saving behavior. Journal of Business and Organization Management, 3(2), 185–192. https://jurnal.upnyk.ac.id/index.php/jbom/article/view/14376
Samadiyah, N. R. F., Nersiwad., & Verlandes, Y. (2024). Pengaruh financial knowledge, financial attitude dan self control terhadap perilaku menabung siswa kelas XI SMAN 1 Wringinanom. MASMAN: Master Manajemen, 2(3), 150–163. https://doi.org/10.59603/masman.v2i3.469
Sanny, L., Chandra, G., Chelles, K., & Santoso, L. (2023). The Impulse Buying of Gen Z When Using E-Wallet In Indonesia. Journal of Applied Engineering and Technological Science (JAETS), 5, 88–100. https://doi.org/10.37385/jaets.v5i1.2600
Setiawan, M., Effendi, N., Santoso, T., Dewi, V. I., & Sapulette, M. S. (2020). Digital financial literacy, current behavior of saving and spending and its future foresight. Economic Innovation and New Technology, 0(0), 1.
Sherlita, S. W. (2025). Dampak Penggunaan E-wallet pada Mahasiswa Ekonomi Syari’ah Universitas Islam Riau Perspektif Ekonomi Syari’ah. UNIVERSITAS ISLAM NEGERI SULTAN SYARIF KASIM RIAU.
Sugiyono. (2023). Metode penelitian kuantitatif dan kualitatif. CV Alfabeta.
Sulistiyani, T., Setyawan, R. R., & Salampessy, A. P. (2025). Dampak literasi keuangan terhadap sikap menabung dengan self control sebagai variabel mediasi pada mahasiswa FEB Universitas Ahmad Dahlan. Journal of Islamic Economics and Banking, 4(1), 24–33. https://doi.org/10.25217/srikandi.v4i1.4397
Tewu, I. T., Lapian, S. L. H. V. J., & Tielung, M. V. J. (2022). THE INFLUENCE OF E-WALLET FOR PAYMENT TRANSACTION ON IMPULSIVE BUYING BEHAVIOR IN MANADO PENGARUH DOMPET DIGITAL SEBAGAI TRANSAKSI PEMBAYARAN DALAM PERILAKU. Jurnal EMBA, 10(3), 580–586.
Underdown, K., & Tamara, D. (2025). Digital wallets : a study on the influence of consumer perceptions and attitudes on impulsive consumer behaviour. April, 1–10. https://doi.org/10.3389/fhumd.2025.1545141
Wahida, R. (2019). Pengaruh sikap keuangan dan pengendalian diri terhadap perilaku pengelolaan keuangan pribadi melalui literasi keuangan sebagai variabel intervening.
Wahyuni, D. S., Sari, M. I., & Tyas, W. M. (2025). Pengaruh financial knowledge, inklusi keuangan dan financial attitude terhadap perilaku menabung pada pelajar SMA di Kota Jember. Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, 6(3), 1–13. https://doi.org/10.53697/emak.v6i3.2663
Widyaningrum, I., Paradita, G. E., & Pratiwi, P. D. (2024). The influence of financial technology on saving behavior through self-control as a mediator in Generation Z. Dinasti International Journal of Economics, Finance & Accounting, 5(2), 632–639. https://doi.org/10.38035/dijefa.v5i2
Yuliarto, T., Inayah, S. N., & Sugiyarti, G. (2024). The influence of financial attitude and social influence on saving behavior with financial literacy as an intervening variable. Saudi Journal of Economics and Finance, 8(1), 14–23. https://doi.org/10.36348/sjef.2024.v08i01.003
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
pernyataan bahwa pemegang hak artikel
Authors who publish with International Journal of Advances in Intelligent Informatics agree to the following terms: Authors retain copyright and grant the International Journal of Advances in Intelligent Informatics right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in International Journal of Advances in Intelligent Informatics. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in International Journal of Advances in Intelligent Informatics. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
