A Critical Review of Personal Finance Tracker Technologies Among Gen Z

Abstract: A Critical Review of Personal Finance Tracker Technologies among Gen Z Purpose: The objective of this study is to critically review personal financial tracker technologies among Gen Z. Method: A multi-method approach, including synchronous and asynchronous with accounting students at the State Polytechnic of Malang. Result: mental accounting and financial education play a significant role in shaping the intention and practice of using the application. Novelty: This article critically explores how technology could create financial literacy, practice, and susceptibility for Gen Z. Contribution: This study adds to behavioural finance and digital sociology by examining Gen Z's financial knowledge and technology. Abstrak: Tinjauan Kritis Teknologi Pelacak Keuangan Pribadi di Kalangan Gen Z Tujuan: Tujuan penelitian ini untuk reviu kritis personal financial tracker technologies pada Gen Z. Metode: pendekatan multi method yaitu synchronous and asynchronous pada mahasiswa Akuntansi di Politeknik Negeri Malang. Hasil: Mental accounting dan edukasi finansial berperan besar dalam membentuk niat dan praktik penggunaan aplikasi. Kebaruan: Artikel ini secara kritis mengeksplorasi bagaimana teknologi dapat menciptakan literasi keuangan, praktik, dan kerentanan terhadap generasi Z. Kontribusi: penelitian ini memperluas kajian dalam bidang keuangan perilaku dan sosiologi digital dengan memberikan perspektif tentang relasi antara teknologi dan kesadaran finansial pada Gen Z.