Fintech Adoption And Financial Well-Being Among Gen Z: The Mediating Role Of Financial Knowledge And Financial Behavior
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh fintech adoption terhadap financial wellbeing, dengan financial knowledge dan financial behavior sebagai variabel mediasi pada Generasi Z yang telah bekerja di Kota Padang. Penelitian ini dilatarbelakangi oleh masih rentannya financial wellbeing Generasi Z akibat kemudahan akses pembiayaan digital yang tidak diimbangi oleh financial knowledge dan financial behavior yang memadai. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Square Structural Equation Modeling (PLS SEM) terhadap 200 responden yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa fintech adoption tidak berpengaruh signifikan secara langsung terhadap financial wellbeing, namun berpengaruh positif signifikan terhadap financial knowledge dan berpengaruh negatif signifikan terhadap financial behavior. Selain itu, financial knowledge dan financial behavior terbukti berpengaruh positif signifikan terhadap financial wellbeing. Hasil uji mediasi membuktikan bahwa financial knowledge dan financial behavior memediasi hubungan antara fintech adoption dan financial wellbeing. Temuan ini memberikan implikasi bahwa pencapaian financial wellbeing pada Generasi Z tidak hanya ditentukan oleh tingkat fintech adoption, melainkan sangat bergantung pada penguatan financial knowledge serta penerapan financial behavior yang tepat.
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