THE IMPACT OF FINANCIAL EDUCATION AND E WALLET USAGE ON PERSONAL FINANCIAL MANAGEMENT AMONG GENERATION Z

This study examines the influence of financial education and e-wallet usage on personal financial management among Generation Z university students in Indonesia. Using a quantitative approach and multiple linear regression analysis, data were collected from 80 respondents. The results show that both financial education and e-wallet usage significantly affect financial management behavior, with e-wallet usage having a stronger impact. These findings highlight the importance of integrating practical financial education with the responsible use of digital financial tools to enhance financial management skills among Generation Z. The study suggests that improving financial literacy and promoting effective e-wallet usage can foster better financial decision-making and management in the digital era.