Pengaruh Financial Technology, Literasi Keuangan, dan Self-Control terhadap Perilaku Konsumtif Generasi Z di Kota Surakarta

Naswa Aulia Rahmawati; Cindy Avionica; Thera Puspita Ningrum; Rizky Ramadhan Aprian Aditama

doi:10.31004/riggs.v5i2.11247

Authors

Naswa Aulia Rahmawati Universitas Slamet Riyadi Surakarta
Cindy Avionica Universitas Slamet Riyadi Surakarta
Thera Puspita Ningrum Universitas Slamet Riyadi Surakarta
Rizky Ramadhan Aprian Aditama Universitas Slamet Riyadi Surakarta

DOI:

https://doi.org/10.31004/riggs.v5i2.11247

Keywords:

Financial Technology, Literasi Keuangan, Self-Control, Perilaku Konsumtif, Generasi Z

Abstract

Perkembangan teknologi digital telah mengubah pola transaksi dan perilaku konsumsi masyarakat, khususnya Generasi Z yang memiliki tingkat adaptasi tinggi terhadap layanan keuangan berbasis teknologi. Kemudahan penggunaan financial technology berpotensi meningkatkan perilaku konsumtif apabila tidak diimbangi dengan literasi keuangan dan self-control yang baik. Penelitian ini bertujuan untuk menganalisis pengaruh financial technology, literasi keuangan, dan self-control terhadap perilaku konsumtif Generasi Z di Kota Surakarta. Penelitian ini menggunakan Theory of Planned Behavior sebagai grand theory dan Consumer Behavior Theory sebagai middle theory. Metode penelitian yang digunakan adalah pendekatan kuantitatif asosiatif. Data diperoleh melalui kuesioner kepada 100 responden Generasi Z di Kota Surakarta dengan teknik purposive sampling, dan dianalisis menggunakan IBM SPSS Statistics melalui statistik deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, dan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa financial technology berpengaruh positif terhadap perilaku konsumtif, sedangkan literasi keuangan dan self-control berpengaruh negatif dalam menurunkan perilaku konsumtif. Selain itu, ketiga variabel secara simultan memengaruhi perilaku konsumtif Generasi Z di Kota Surakarta, dengan self-control sebagai faktor yang paling dominan. Penelitian ini menunjukkan bahwa keseimbangan antara pemanfaatan teknologi keuangan, kemampuan pengelolaan keuangan, dan pengendalian diri menjadi faktor penting dalam membentuk perilaku konsumsi yang lebih bijaksana di era digital.

Downloads

Download data is not yet available.

References

[1] Asosiasi Penyelenggara Jasa Internet Indonesia, "Survei penetrasi internet Indonesia 2024," APJII, Jakarta, 2024.

[2] Bank Indonesia, "Perkembangan sistem pembayaran dan QRIS Indonesia," Bank Indonesia, Jakarta, 2024.

[3] Otoritas Jasa Keuangan, "Perkembangan industri financial technology dan inklusi keuangan Indonesia," OJK, Jakarta, 2024.

[4] Sebelas Maret University & APMBA, "An analysis of QRIS usage behavior using UTAUT approach," Asia Pacific Management and Business Application, vol. 13, no. 1, 2024. https://doi.org/10.21776/ub.apmba.2024.013.01.2

[5] Y. Rahmawati, R. Gumilar, and S. H. Sartika, "Pengaruh literasi keuangan dan penggunaan teknologi finansial (fintech) terhadap perilaku konsumtif pada Generasi Z," Jurnal Akademik Ekonomi dan Manajemen, vol. 2, no. 3, 2024. https://doi.org/10.61722/jaem.v2i3.5794

[6] R. Zeinab and Ruski, "The influence of fintech e-wallets and self-control on the consumptive behavior of Generation Z in Bangkalan," Journal of Practice Learning and Educational Development, vol. 5, no. 2, pp. 506-513, 2025. https://doi.org/10.58737/jpled.v5i2.472

[7] Organisation for Economic Co-operation and Development, "OECD/INFE 2023 International Survey of Adult Financial Literacy," OECD Publishing, Paris, 2023.

[8] K. Goyal and S. Kumar, "Financial literacy: A systematic review and bibliometric analysis," International Journal of Consumer Studies, vol. 45, no. 1, pp. 80-105, 2021. https://doi.org/10.1111/ijcs.12605

[9] V. Anikawati and R. A. Suwaidi, "The influence of lifestyle and self-control on the consumptive behavior of Generation Z with financial literacy as a moderating variable," Indonesian Interdisciplinary Journal of Sharia Economics, vol. 8, no. 3, 2025. https://doi.org/10.31538/iijse.v8i3.7433

[10] A. F. Almira, D. Herlindawati, and I. Sholekhah, "Literasi keuangan dan perilaku konsumtif belanja online: Peran kontrol diri sebagai mediator," Jurnal Pendidikan Akuntansi Indonesia, vol. 24, no. 1, 2025. https://doi.org/10.21831/jpai.v24i1.95428

[11] E. Kristianing, E. D. Purnamasari, and B. Setiawan, "Pengaruh literasi keuangan, fintech payment, dan gaya hidup terhadap perilaku konsumtif Generasi Z," Ekonomi, Keuangan, Investasi dan Syariah, vol. 7, no. 4, 2025. https://doi.org/10.47065/ekuitas.v7i4.9729

[12] A. Rosyanti and F. I. Santoso, "The effect of e-wallet use and financial literacy on Generation Z's consumptive behavior with self-control as a moderation variable," Journal of Economics and Social Sciences, 2025. https://doi.org/10.59525/jess.1621

[13] R. A. Saputri, Fathihani, and Y. H. Purnama, "Pengaruh literasi keuangan, penggunaan paylater, dan pendapatan terhadap perilaku konsumtif Generasi Z di Indonesia," Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi, vol. 3, no. 2, pp. 124-139, 2025. https://doi.org/10.62387/hatta.v3i2.284

[14] R. D. Merliyana and F. Syakinah, "Determinants of Generation Z consumptive behavior," Jurnal Wacana Ekonomi, vol. 23, no. 3, 2023. https://doi.org/10.52434/jwe.v23i3.3691

[15] J. W. Creswell and J. D. Creswell, Research Design: Qualitative, Quantitative, and Mixed Methods Approaches, 6th ed. SAGE Publications, Thousand Oaks, 2023.

[16] Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, dan R&D, 2nd ed. Alfabeta, Bandung, 2022.

[17] M. Dimock, "Defining generations: Where Millennials end and Generation Z begins," Pew Research Center, Washington D.C., 2025.

[18] S. Lemeshow, D. W. Hosmer, J. Klar, and S. K. Lwanga, Adequacy of Sample Size in Health Studies. John Wiley & Sons, Chichester, 2020.

[19] I. Ajzen, "The theory of planned behavior: Frequently asked questions," Human Behavior and Emerging Technologies, vol. 2, no. 4, pp. 314-324, 2020. https://doi.org/10.1002/hbe2.195

[20] M. Bosnjak, I. Ajzen, and P. Schmidt, "The theory of planned behavior: Selected recent advances and applications," Europe's Journal of Psychology, vol. 16, no. 3, pp. 352-356, 2020. https://doi.org/10.5964/ejop.v16i3.3107

[21] P. Kotler, K. L. Keller, and A. Chernev, Marketing Management, 16th ed. Pearson Education, New Jersey, 2021.

[22] D. Harrison and A. Z. Arifin, "Faktor-faktor yang memengaruhi niat penggunaan fintech pada Generasi Y dan Z di Jabodetabek," Jurnal Manajemen Bisnis dan Kewirausahaan, vol. 8, no. 4, 2024. https://doi.org/10.24912/jmbk.v8i4.31636

[23] D. Maman, R. Sari, and A. Nugroho, "Determinants of financial literacy: A systematic review and future research directions," Future Business Journal, vol. 10, no. 1, 2024. https://doi.org/10.1186/s43093-024-00365-x

[24] R. Mariana, R. Wahyuni, A. Rahmat, and D. P. Oskar, "Peran self-control sebagai mediasi penggunaan e-wallet dan perilaku konsumtif Generasi Z," Psyche 165 Journal, vol. 18, no. 1, 2024. https://doi.org/10.35134/jpsy165.v18i1.518

[25] A. Elsalonika and I. Ida, "Perilaku keuangan Generasi Z: Peran penerapan financial technology, literasi keuangan, dan efikasi diri," Jurnal Manajemen Bisnis dan Kewirausahaan, vol. 9, no. 2, pp. 365-379, 2025. https://doi.org/10.24912/jmbk.v9i2.32838

[26] I. Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 26, 10th ed. Badan Penerbit Universitas Diponegoro, Semarang, 2021.

[27] K. Gbongli, "A systematic review and weight analysis of mobile financial services adoption literature from 2011 to 2021," Theory, Methodology, Practice, vol. 18, no. 2, pp. 23-49, 2022. https://doi.org/10.18096/TMP.2022.02.02

[28] N. Fadilah and N. Andriani, "Consumer preferences and decision-making in digital payments: A systematic review using TAM," Asian Journal of Management Analytics, vol. 4, no. 2, 2025. https://doi.org/10.55927/ajma.v4i2.14295

[29] L. A. Marselien and Y. A. Valenty, "The influence of financial literacy, financial technology, financial attitudes, and financial self-efficacy on the financial behavior of Generation Z," E-Jurnal Akuntansi, vol. 35, no. 9, 2025. https://doi.org/10.24843/EJA.2025.v35.i09.p12

[30] A. L. Duckworth, T. S. Gendler, and J. J. Gross, "Situational strategies for self-control," Perspectives on Psychological Science, vol. 17, no. 2, pp. 460-471, 2022. https://doi.org/10.1177/17456916211028983

[31] M. Davydenko, M. Kolbuszewska, and J. Peetz, "A meta-analysis of financial self-control strategies," PLoS ONE, vol. 16, no. 7, p. e0253938, 2021. https://doi.org/10.1371/journal.pone.0253938

[32] J. F. Hair, W. C. Black, B. J. Babin, and R. E. Anderson, Multivariate Data Analysis, 9th ed. Cengage Learning, Boston, 2022.

[33] F. A. Prasetyo and M. Mustaqim, "Financial technology, financial knowledge, and financial attitude of Generation Z: Determinants of financial behavior," Journal of Enterprise and Development, vol. 6, no. 2, 2024. https://doi.org/10.20414/jed.v6i2.9836

[34] T. Sulistiyani, A. Muthusamy, and A. R. Solihudin, "The effect of financial technology, online shopping, and self-control on consumptive behavior," Jurnal Fokus Manajemen Bisnis, vol. 13, no. 2, pp. 229-238, 2023. https://doi.org/10.12928/fokus.v13i2.9081

[35] S. N. Fauziah, P. H. Prayitno, H. Wahyono, and R. Inayati, "The effect of financial literacy and self-control on consumptive behavior with paylater as a mediating variable," Jurnal Manajemen dan Kewirausahaan, vol. 11, no. 1, 2023. https://doi.org/10.26905/jmdk.v11i1.10209