THE INFLUENCE OF SOCIAL, LIFESTYLE, DIGITAL FINANCIAL LITERACY, AND EASE OF USE ON DIGITAL PAYMENT USE AMONG GEN Z
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Irabi’ah Al Adawiyah(1*)
Faculty of Economics and Business, Nahdlatul Ulama Islamic University
-
Anna Widiastuti(2)
Faculty of Economics and Business, Nahdlatul Ulama Islamic University
(*) Corresponding Author
Keywords:
Digital Payment, Generation Z, Lifestyle, Digital Financial Literacy, Ease of Use
Abstract
This study investigates the effects of social influence, lifestyle, digital financial literacy, and perceived ease of use on the adoption of digital payment methods among Generation Z in Jepara Regency. As a cohort widely recognized for its technological proficiency, Generation Z represents the primary user base of digital financial services. Employing a quantitative research design, data were collected through questionnaires distributed to 128 income-earning Gen Z respondents. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The results indicate that lifestyle and perceived ease of use have a positive and significant effect on digital payment adoption. Conversely, social influence and digital financial literacy do not show a significant impact. These findings suggest that Generation Z’s adoption of digital payment systems is driven mainly by practical considerations and digitally oriented lifestyles rather than social pressure or financial knowledge. This study contributes to the understanding of young generations’ financial behavior in the digital era and offers insights for the development of more user-oriented digital financial services, as well as directions for future research.
Keywords: Digital payment; Generation Z; Lifestyle; Digital financial literacy; Ease of Use
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References
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Sari, N., & Zaerofi, A. (2025). Pengaruh Kemudahan Penggunaan , Kecepatan Transaksi , dan Keamanan Transaksi Terhadap Kepuasan Konsumen dalam Melakukan Pembayaran Menggunakan QRIS The Effect of Perceived Ease of Use , Transaction Speed , and Transaction Security on Consumer Satisfaction in Making Payments Using QRIS. 6(2).
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Andhini, N. A., & Muat, S. (2024). Tapping into the Future : What Drives Generation Z to Adopt Digital Payments. InJBM: Integrated Research Journal of Business and Management, 1(2), 148–169.
Aseng, A. C. (2020). Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services. CogITo Smart Journal, 6(2), 155–166.
Aswin, R., Resti, N., Putri, R., Soekarno, S., & Da-, S. M. (2021). International Journal of Data and Network Science Analyzing cashless behavior among generation Z in Indonesia. 5, 601–612. https://doi.org/10.5267/j.ijdns.2021.8.007
Attaqi, M. F., Suryono, I. A., Kussujaniatun, S., & Sudaryatie, S. (2022). Pengaruh Kepercayaan, Persepsi Kemudahan Penggunaan, Dan Kualitas Pelayanan Elektronik Terhadap Niat Beli Ulang. Jurnal Impresi Indonesia, 1(6), 694–700. https://doi.org/10.58344/jii.v1i6.90
Burger, R., Fisher, G., Hudson, A., & Rader, M. (2021). Generation Z and The 21st Century Workplace: A Scoping Review. Journal of Academy of Business and Economics, 21(1), 41–54. https://doi.org/10.18374/jabe-21-1.4
Calderon, A. A. (2025). Digital Payments and their Role in Enhancing Financial Transactions Efficiency. International Journal of Economics and Financial Issues , 15(1), 182–189. https://doi.org/10.32479/ijefi.17555
Damayanti, S., & Fathihani, F. (2023). Analisis Pengaruh Kemudahan Penggunaan, Pengaruh Sosial Dan Risiko Terhadap Minat Penggunaan Financial Technology (Fintech) (Studi Kasus Pada Generasi Milenial Mahasiswa Universitas Dian Nusantara). Jurnal Ekonomi Manajemen Sistem Informasi, 4(6), 1014–1023. https://doi.org/10.31933/jemsi.v4i6.1632
Davies, F. D. (1989). Information Technology Introduction. 13(3), 319–40.
Emik, J., & Hasanuddin, U. (2020). Penggunaan E-wallet di Kalangan Mahasiswa. 3.
Evita, N., & Prestianta, A. M. (2023). Patterns of media and social media use in generation z in Indonesia. 7(March), 195–214. https://doi.org/10.25139/jsk.v7i1.
Fadli, J. A., & Indradewa, R. (2024). Measuring the Level of Digital Financial Literacy Among Generation Y and Z in Indonesia. 12(5), 1911–1918. https://doi.org/10.37641/jimkes.v12i5.2532
Fishbein, M., & Ajzen, I. (1975). Teori tindakan beralasan (Reading (ed.)). Reading.
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037
Junianto, P., Suudiah, V. A., Tinggi, S., Bentara, I. E., & Batam, P. (2025). Tractare Jurnal Ekonomi-Manajemen The Role Of Payment Technology And Digital Marketing In Shaping Gen Z Consumer Behavior: A Literature Review And Future Research Directions. Tractare Jurnal Ekonomi-Manajemen, 8(1), 45–48.
Lisdayanti, D., Trihantana, R., & Kusumaningrum, R. (2023). Pengaruh Literasi Keuangan, Electronic Money, Gaya Hidup, Dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Pada Masa Pandemi Covid-19. Sahid Banking Journal, 3(01), 168–187. https://doi.org/10.56406/sahidbankingjournal.v3i01.126
Lusardi, A. (2019). Financial literacy and the need for financial education : evidence and implications. 5, 1–8.
Madepo, M. A., Budiarti, L., & Khalida, F. S. (2024). Impact of Digital Financial Literacy , Perceived Ease of Use , Perceived Usefulness , Perceived Security and Social Influence on Intention to Use E-Wallet for Students in Pontianak City. Jurnal Aplikasi Bisnis Dan Manajemen (JABM), 11(1), 111–111. https://doi.org/10.4108/eai.2-8-2023.2341489
Maharani, N., & Meiranto, W. (2024). Analisis Faktor-Faktor yang memengaruhi Niat Perilaku Penggunaan E-Wallet terhadap Perilaku Pengguna dengan menggunakan Model Unified Theory Of Acceptance And Use Of Technology 3 (UTAUT 3) pada Mahasiswa di Kota Semarang. Diponegoro Journal of Accounting, 13(4), 1–15.
Mardiyah, S., Dwiyana, P., Wicaksono, D., Sitoayu, L., & Mardiyah, S. (2022). Dampak Pandemi Covid-19 terhadap Perubahan Perilaku Makan Mahasiswa di Indonesia Impact of the Covid-19 Pandemic on Changes in Eating Behavior of Students in Indonesia. 6(3), 1–8. https://doi.org/10.20473/amnt.v6i3.2022.298-305
Maulana Nizar. (2022). J-MAS. 7(2), 928–933. https://doi.org/10.33087/jmas.v7i2.569
Meilani, I. G. A. R., & Kusuma, P. S. A. J. (2024). Pengaruh Gaya Hidup Hedonisme dan Kemudahan Penggunaan QRIS Terhadap Perilaku Konsumtif Gen-Z di Kota Denpasar. Accounting Research Unit (ARU Journal), 5(1), 1–10. https://doi.org/10.30598/arujournalvol5iss1pp1-10
Meliasari, D., Setiawan, B., & Roswaty, R. (2025). Pengaruh Digital Financial Literacy, FoMO, Performance Expectancy dan Effort Expectancy Terhadap Use Behavior Pada Digital Payment (Studi Pada Generasi Z di Kota Palembang). Jurnal Media Wahana Ekonomika, 22(2), 458–469.
Miswanto, M., Sidik, P. A., & Arrafi, M. F. (2022). Pengaruh Persepsi Kemudahan, Persepsi Manfaat, Promosi E-Wallet dan Lingkungan Teman Sebaya terhadap Perilaku Konsumtif Mahasiswa. Jurnal Bisnis Dan Ekonomi, 28(2), 136–151. https://doi.org/10.35315/jbe.v28i2.9274
Nugraha, A. I., & Prabawa, S. A. (2024). Literasi Keuangan, Kemudahan Pengguanaan, Serta Manfaat Terhadap Penggunaan Quick Response Code Indonesian Standard (QRIS). Journal of Economic, Bussines and Accounting (COSTING), 7(3), 5715–5723. https://doi.org/10.31539/costing.v7i3.9481
Pokhrel, S. (2024). No TitleΕΛΕΝΗ. Αγαη, 15(1), 37–48.
Purwanto, H., Indrian, H., Adi, S., & Astuty, H. S. (2024). The Influence Of Perceived Ease Of Use On The Intention To Use Digital Payment Applications In Transactions. 15(02), 111–116.
Puteri, A. M., Inanda, I., Prasetio, R. B., & Sanjaya, R. (2024). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Preferensi Bank Bank Digital di Kalangan Mahasiswa. 3(4), 16–25.
Rachmawati, S., & Wahyudi, T. N. (2024). Analisis Faktor Yang Mempengaruhi Keputusan Penggunaan Qris Pada Generasi Z. Jurnal Akademi Akuntansi, 7(2), 1–16. https://doi.org/10.22219/jaa.v7i2.32767
Rahadi, R. A., Putri, N. R. R., Soekarno, S., Damayanti, S. M., Murtaqi, I., & Saputra, J. (2021). International Journal of Data and Network Science Analyzing cashless behavior among generation Z in Indonesia. International Journal of Data & Network Science, 5(4), 601–612. https://doi.org/10.5267/j.ijdns.2021.8.007
Ramadhan, D., Asri, H. R., Gisijanto, H. A., Hartanti, N. D., & Setyarini, E. (2023). Pengaruh Persepsi Kemudahan, Persepsi Manfaat, Gaya Hidup dan Literasi Keuangan Digital Terhadap Keputusan Penggunaan QRIS pada Generasi Muda. Revenue: Lentera Bisnis Manajemen, 1(04), 162–170. https://doi.org/10.59422/lbm.v1i04.168
Ramayanti, R., Aisyah, N., Azhar, Z., Hadiyan, N., & Azman, N. (2024). Computers in Human Behavior Reports Exploring intention and actual use in digital payments : A systematic review and roadmap for future research. Computers in Human Behavior Reports, 13(August 2023), 100348. https://doi.org/10.1016/j.chbr.2023.100348
Rettobjaan, V. F. C., Widnyani, N. M., Aristayudha, A. A. N. B., Astitiani, N. L. P. S., & Richadinata, K. R. P. (2023). Pengenalan Pemanfaatan Teknologi Pembayaran Digital Bagi Warga Penggiat Usaha Di Wilayah Desa Tandeg. Jurnal Abdimas Ilmiah Citra Bakti, 4(2), 283–291. https://doi.org/10.38048/jailcb.v4i2.1445
Rianto, R., & Yoganingsih, T. (2020). Pengaruh Religiusitas, Pengaruh Sosial Dan Dukungan Pemerintah Terhadap Minat Menabung Di Bank Syariah Mandiri - Bekasi. Jurnal Ilmiah Akuntansi Dan Manajemen, 16(2), 76–83. https://doi.org/10.31599/jiam.v16i2.405
Rika, W. D. (2023). No 主観的健康感を中心とした在宅高齢者における 健康関連指標に関する共分散構造分析Title. AT-TAWASSUTH: Jurnal Ekonomi Islam, VIII(I), 1–19.
Ristiana, N. (2022). Keuangan Digital Terhadap Minat Mahasiswa Dalam Penggunaan Layanan E-Banking. 7(30), 425–444.
Sari, N., & Zaerofi, A. (2025). Pengaruh Kemudahan Penggunaan , Kecepatan Transaksi , dan Keamanan Transaksi Terhadap Kepuasan Konsumen dalam Melakukan Pembayaran Menggunakan QRIS The Effect of Perceived Ease of Use , Transaction Speed , and Transaction Security on Consumer Satisfaction in Making Payments Using QRIS. 6(2).
Selly, R. & Wahyudi, T. N. (2024). Analisis Faktor Yang Mempengaruhi Keputusan Penggunaan Qris Pada Generasi Z. Jurnal Akademi Akuntansi, 7(2), 1–16. https://doi.org/10.22219/jaa.v7i2.32767
Siswanti, T. (2023). Pengaruh Literasi Keuangan Digital Dan Sosial Ekonomi Terhadap Pemanfaatan Digital Payment Dengan Budaya Sebagai Variabel Moderating. Jurnal Bisnis & Akuntansi Unsurya, 8(1), 30–43. https://doi.org/10.35968/jbau.v8i1.1017
Sugiyono. (2017). Metodologi riset kuantitatif, kualitatif, serta penelitian dan pengembangan (Alfabeta (ed.)). Alfabeta.
Sugiyono. (2019). Metode Penelitian Kualitatif, Kuantitatif dan RND (Alphabet CV (ed.)). Alphabet CV.
Sukma, I., Barus, L., Lasniroha, T., & Bayunitri, B. I. (2024). Navigating the Digital Financial Landscape : The Role of Financial Literacy and Digital Payment Behaviorin Shaping Financial Management Among Generation Z Student. 11(7), 302–323. https://doi.org/10.33168/JLISS.2024.0716
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Published
2026-03-01
How to Cite
Adawiyah, I., & Widiastuti, A. (2026). THE INFLUENCE OF SOCIAL, LIFESTYLE, DIGITAL FINANCIAL LITERACY, AND EASE OF USE ON DIGITAL PAYMENT USE AMONG GEN Z. Journal of Management : Small and Medium Enterprises (SMEs), 19(1), 95-112. https://doi.org/10.35508/jom.v19i1.27400
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Articles
