PENGGUNAAN E-WALLET PENGARUHNYA TERHADAP PENGELOLAAN KEUANGAN MAHASISWA GENERASI Z DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MEDIASI PADA MAHASISWA FEB UNIVERSITAS BINA BANGSA

Abstract

The development of digital financial technology encourages the increasing use of e-wallets as a non-cash transaction tool among Generation Z students. This study aims to analyze the influence of e-wallet use on the financial management of Generation Z students of the Management Study Program Semester 8 of the Faculty of Economics and Business (FEB) Bina Bangsa University, with financial literacy as a mediating variable. The research method used was an associative quantitative approach with a cross-sectional design. The research population amounted to 537 active students, with the number of samples determined using the Slovin formula and the non-probability sampling technique of the accidental sampling method, so that 108 respondents were obtained. Data was collected through a Likert scale questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the help of SmartPLS. The results of the study showed that the use of e-wallets had a positive and significant effect on financial management (Original Sample 0.444; T-Statistics 4,669; P-Values 0.000) and financial literacy (Original Sample 0.548; T-Statistics 8,063; P-values 0.000). Financial literacy also has a positive and significant effect on financial management (Original Sample 0.277; T-Statistics 3,072; P-Values 0.002), and proven to significantly mediate the influence of e-wallet use on financial management (Original Sample 0.152; T-Statistics 2,998; P-values 0.003). Thus, all research hypotheses are accepted and the use of e-wallets contributes to improving student financial management, both directly and through the role of financial literacy.