Unpacking Generation Z's Fintech Financial Behavior: A Study on the Interplay of Financial Literacy and Emotional Intelligence

Vanesya Marcelina Fajrin; Diyah Probowulan; Nina Martiana

doi:10.55927/jambak.v4i2.252

Authors

Vanesya Marcelina Fajrin Universitas Muhammadiyah Jember
Diyah Probowulan Universitas Muhammadiyah Jember
Nina Martiana Universitas Muhammadiyah Jember

DOI:

https://doi.org/10.55927/jambak.v4i2.252

Keywords:

Financial Literacy, Emotional Quotient Intelligence (EQI), Financial Behavior Fintech, Generation Z

Abstract

This study aims to examine the influence of financial literacy and Emotional Quotient Intelligence (EQI) on the financial behavior of Fintech service users among Generation Z students. The results of the study show that financial literacy and EQI have a significant positive influence on students' financial behavior. These findings confirm that both improved understanding of financial concepts and emotional intelligence play an important role in shaping wiser financial behaviors, especially in the context of the use of financial technology. This research contributes to the development of financial education strategies and psychological aspects in an effort to improve the financial literacy of the younger generation in the digital era.

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