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Apr 9, 2025
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Apr 12, 2025
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Abstract
Use of fintech. This research method uses a qualitative approach with literature studies. Sources obtained from journal articles, online news, youtube and several interviews were conducted. The process of coding and visualizing research results uses NVivo Software. This research explains that the behavior of generation z on the use of fintech is that generation z prefers fintech applications that provide easy access, fintech also makes transactions faster and generation z is also now more interested in making investments because they realize that there will be a high cost of living and they also realize that lifestyle in this era is expensive. Therefore, for now Generation Z prefers to invest so that their finances continue to grow. This research provides an overview of how Generation Z will always be connected in the world of fintech, especially when it comes to transacting and investing and how socioeconomic factors affect their financial decisions.
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This work is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
Edward, R., Tambun, S., & Ainy, F. N. (2025). Identifikasi Perilaku Gen Z Atas Penggunaan Fintech. Jurnal Ekonomi Dan Statistik Indonesia, 5(1), 21-27. https://doi.org/10.11594/jesi.05.01.03
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Andini, R., & Hariyani, H. F. (2024). Dampak Data Security terhadap Adopsi Penggunaan Fintech Bagi Gen Z. Journal of Financial Economics & Investment, 4(3), 133–150. https://doi.org/https://doi.org/10.22219/jofei.v4i3.34156
Chlorita, S., Irfan, M. D., Yusrina, F., Wijanarko, R., & Hidayat, C. M. (2024). Persepsi Gen Z Terhadap Fintech. Journal of Digital Business Innovation, 2(1), 40–48. https://doi.org/https://doi.org/10.36858/digbi.v2i1.19
Daraini, N. S., & Masnawati, E. (2024). Peran media sosial YouTube sebagai media edukasi dalam pendidikan generasi Z. MIND Jurnal Ilmu Pendidikan Dan Budaya, 4(2), 81–87. https://doi.org/https://doi.org/10.55266/jurnalmind.v4i2.417
Febriandani, A., Setyabudi, D., & Pradekso, T. (2024). Pengaruh Terpaan Sales Promotion Shopee Dan Intensitas Komunikasi Peer Group Terhadap Perilaku Impulse Buying Produk Fashion Di Platform Shopee Pada Gen Z Di Kota Semarang. Interaksi Online, 12(3), 1134–1148. file:///C:/Users/Lenovo/Downloads/45751-105902-1-SM.pdf
FM, R. S. (2024). Radio Smart FM (2024) - Youtube. https://youtu.be/J9rC50Lhb-8?si=jQWlhFlCcs2lNpHG
Goel, D. (2024). Daivik Goel (2024) - Online News.
Indriyarti, E. R., Christian, M., Yulita, H., Ruminda, M., Sunarno, S., & Wibowo, S. (2022). Online food delivery app distribution and determinants of Jakarta’s Gen Z spending habits. Journal of Distribution Science, 20(7), 73–86. https://www.researchgate.net/profile/Michael-Christian-5/publication/362372308_Online_Food_Delivery_App_Distribution_and_Determinants_of_Jakarta’s_Gen_Z_Spending_Habits/links/62e5f5337782323cf18c6a8b/Online-Food-Delivery-App-Distribution-and-Determinants-
Janah. (2024). Janah (2024) - Wawancara.
Kristyowati, Y. (2021). Generasi “Z” dan strategi melayaninya. Ambassadors: Journal of Theology and Christian Education, 2(1), 23–34. https://stt-indonesia.ac.id/journal/index.php/ojs/article/view/22/15
Liah, A. N., Maulana, F. S., Aulia, G. N., Syahira, S., Nurhaliza, S., Rozak, R. W. A., & Insani, N. N. (2023). Pengaruh media sosial terhadap degradasi moral generasi Z. Nautical: Jurnal Ilmiah Multidisiplin Indonesia, 2(1), 68–73. https://doi.org/https://doi.org/10.55904/nautical.v2i1.677
Markeeters. (2023). Markeeters (2023) - Youtube. https://youtu.be/i-T8LiL7HLU?si=hpLRemIq-klDOO7P
Mauliza, A. Y. I., Machmudi, R. D. S., & Indrarini, R. (2022). Pengaruh Perlindungan Data Dan Cyber Security Terhadap Tingkat Kepercayaan Menggunakan Fintech Masyarakat Di Surabaya. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 1(11), 2497–2516. https://doi.org/https://doi.org/10.54443/sibatik.v1i11.395
Mubarok, I. (2023). Ibnul Mubarok (2023) - Online News.
Persen, S. (2023). Satu Persen Indonesian Life School (2023). In Satu Persen. https://youtu.be/ s86pXhhOG7c?list=UUhHTRPxz8awulGaTMh3SAkA
PnP. (2023). Plug and Play Tech Center. In Https://Www.Plugandplaytechcenter.Com/. https://youtu.be/OVPBWvi5rRI?si=gZ68vIIqX5Scjvel
Pramudita, B. (2024). Bernadinus Pramudita (2024) - Online News.
Pransiska, L., & Nofirda, F. A. (2023). Dampak Ekonomi Digital terhadap Penggunaan Aplikasi DANA pada Gen Z di Kota Pekanbaru. Jurnal Pendidikan Tambusai, 7(3), 26604–26609. https://doi.org/https://doi.org/10.31004/jptam.v7i3.10901
Purwanto, H., Yandri, D., & Yoga, M. P. (2022). Perkembangan dan dampak financial technology (fintech) terhadap perilaku manajemen keuangan di masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 80–91. c:/Users/Lenovo/Downloads/220-448-2-PB.pdf
Restianti, R., Sakti, D. P. B., & Suryani, E. (2022). Pengaruh financial behavior, financial literacy, financial technology terhadap keputusan berinvestasi gen Z. Jurnal Sosial Ekonomi Dan Humaniora, 8(3), 384–390. https://doi.org/https://doi.org/10.29303/jseh.v8i3.135
Riska. (2024). Riska (2024) - Wawancara.
Riyanto, G. P. (2024). Galuh Putri Riyanto (2024) - Online News.
Safitri, R., & Andriansyah, M. (2020). Analisis Penerimaan Teknologi Keuangan (FINTECH) Terhadap Penggunaan Aplikasi Fintech OVO. Jurnal Mitra Manajemen, 4(4), 538–549. https://doi.org/https://doi.org/10.52160/ejmm.v4i4.369
Sari, W. A., Fiorintari, F., & Ardhi, Q. (2023). Persepsi generasi-z dalam penggunaan fintech payment. Eksos, 19 (1), 17-26. https://doi.org/https://doi.org/10.31573/eksos.v19i1.509
Sitorus, R. R., & Tambun, S. (2023a). Challenges, Strategies and Qualifications of Auditors In The Society 5.0 Era. JRAK, 15(2), 228–240. https://doi.org/https://doi.org/10.23969/jrak.v15i2.7183
Sitorus, R. R., & Tambun, S. (2023b). Pelatihan riset kualitatif bidang akuntansi dengan perangkat lunak NVivo pada prodi magister akuntansi Universitas Pendidikan Ganesha. Ruang Cendekia: Jurnal Pengabdian Kepada Masyarakat, 2(1), 13–21. https://doi.org/https://doi.org/10.55904/ruangcendekia.v2i1.572
Sitorus, R. R., Tambun, S., & Sitorus, H. (2023). Pelatihan Software Nvivo Untuk Meningkatkan Kompetensi Peneliti Di STT Jaffray Jakarta. Community Development Journal: Jurnal Pengabdian Masyarakat, 4(2), 5468–5474. https://doi.org/https://doi.org/10.31004/cdj.v4i2.17144
Syafitri, A. A. (2024). Literasi Keuangan Sebagai Usaha Untuk Mencapai Financial Well Being: Sebuah Perspektif Dari Generasi Z. Dialektika: Jurnal Ekonomi Dan Ilmu Sosial, 9(1), 136–148. https://doi.org/https://doi.org/10.36636/dialektika.v9i1.3975
Tambun, S. (2021). Peningkatan Kemampuan Melakukan Riset Kualitatif dengan Menggunakan Software NVivo 12 PLus di LAN Pusat Pelatihan dan Pengembangan dan Kajian Desentralisasi dan Otonomi Daerah di Samarinda. Jurnal Pemberdayaan Nusantara, 1(2). https://doi.org/https://doi.org/10.52447/jpn.v1i2.5663
Tambun, S., Sitorus, R. R., Putra, R. R., & Julito, K. A. (2023). Pemanfaatan aplikasi NVivo 12 Plus untuk riset kualitatif di bidang akuntansi. Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS), 6(2), 359–372. https://doi.org/https://doi.org/10.33474/jipemas.v6i2.19401
Tirto.Id. (2023). Tirto.Id (2023).
Utami, N. G. P. (2023). Pengaruh Financial Literacy, Financial Attitude, Financial Technology, Self-Control, Dan Hedonic Lifestyle Terhadap Financial Behavior. Retrieved November 21, 2023. https://doi.org/https://doi.org/10.26740/jim.vn.p506-521