HEDONIC LIFESTYLE DAN PENGGUNAAN E-WALLET TERHADAP KEPUTUSAN KEUANGAN GEN Z DI KOTA CILEGON

Tessa Dwi Nainggolan; Pramudi Harsono; Surti Zahra

doi:10.53363/yud.v6i2.201

Authors

Tessa Dwi Nainggolan Universitas Bina Bangsa
Pramudi Harsono Universitas Bina Bangsa
Surti Zahra Universitas Bina Bangsa

DOI:

https://doi.org/10.53363/yud.v6i2.201

Keywords:

Hedonic Lifestyle, E-Wallet Usage, Financial Decision, Generation Z, Penggunaan E-Wallet, Keputusan Keuangan

Abstract

The hedonic lifestyle phenomenon and widespread e-wallet use among Generation Z in Cilegon City can shift daily financial decisions toward less rational patterns. This study analyzes the influence of Hedonic Lifestyle and e-wallet usage on Generation Z's financial decisions, partially and simultaneously.

This study used a quantitative survey method involving 117 Generation Z respondents in Cilegon City, selected through accidental sampling. Data were collected using a validated, reliable Likert-scale instrument, then analyzed using multiple linear regression with IBM SPSS Statistics.

The results show that Hedonic Lifestyle has a positive, significant effect on financial decisions (t = 10.497; sig. < 0.001), as does e-wallet usage (t = 2.538; sig. = 0.013). Together, both variables significantly affect financial decisions (F = 66.389) and explain 53.8% of their variation.

These findings confirm that hedonic lifestyle and easy digital transactions are important factors in Generation Z's financial management in Cilegon City. The higher the hedonic tendency and the more intensive the e-wallet usage, the greater their influence on daily financial decisions.

This study is expected to contribute theoretically to research on young generations' financial behavior in the digital era, and practically to Generation Z, e-wallet providers, and policymakers designing financial literacy education

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