The Influence of Personality on Personal Financial Management with the Use of Financial Technology and Financial Attitudes as Mediating Variables (Case Study of Generation Z in Padang City)

Iwil Suprianto; Meli Japriani; Lilis Marlina

doi:10.47134/aaem.v2i4.774

Authors

Iwil Suprianto Universitas Negeri Padang
Meli Japriani Universitas Negeri Padang
Lilis Marlina Universitas Negeri Padang

DOI:

https://doi.org/10.47134/aaem.v2i4.774

Keywords:

Personal Financial Management, Personality, Use of Financial Technology, Financial Attitude

Abstract

This study aims to examine the influence of personality on personal financial management with the use of financial technology and financial attitudes as mediating variables in Generation Z in Padang City. The method used is quantitative with data collection techniques through questionnaires. A sample of 100 respondents was selected from the Generation Z population. Data analysis was carried out using SmartPLS 4.0 software to test the proposed mediation model. The results showed that personality has a positive and significant effect on personal financial management mediated by the use of financial technology and financial attitudes. This finding emphasizes the importance of considering psychological and technological factors in efforts to improve financial management in the younger generation.

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