Pengelolaan Keuangan Gen Z yang Dipengaruhi Inkusi Keuangan, Dompet Digital dan Literasi Keuangan sebagai Moderasi
DOI:
https://doi.org/10.32493/Inovasi.v12i2.p407-419.54307Keywords:
Inklusi Keuangan; Dompet Digital; Literasi Keuangan; Pengelolaan Keuangan; Gen ZAbstract
Perkembangan keuangan digital yang pesat telah mengubah cara individu mengelola keuangannya, terutama di kalangan Generasi Z yang adaptif terhadap teknologi namun kerap menghadapi tantangan dalam menjaga disiplin finansial. Kemudahan akses terhadap layanan keuangan digital seperti dompet digital memang memberikan efisiensi, tetapi juga dapat memicu perilaku konsumtif apabila tidak diimbangi literasi keuangan yang memadai. Penelitian ini bertujuan menganalisis pengaruh inklusi keuangan dan penggunaan dompet digital terhadap pengelolaan keuangan Generasi Z di Kota Denpasar, dengan literasi keuangan sebagai variabel pemoderasi. Metode penelitian menggunakan pendekatan kuantitatif melalui penyebaran kuesioner kepada 105 responden pengguna aktif dompet digital, dan dianalisis dengan teknik Partial Least Squares (PLS-SEM) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa inklusi keuangan dan penggunaan dompet digital berpengaruh positif serta signifikan terhadap pengelolaan keuangan. Selain itu, literasi keuangan memperkuat hubungan tersebut, yang berarti semakin tinggi literasi keuangan, semakin bijak Gen Z dalam memanfaatkan layanan keuangan digital. Temuan ini menegaskan pentingnya peningkatan edukasi keuangan untuk membentuk perilaku finansial digital yang bertanggung jawab di kalangan generasi muda.
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