The Influence of Financial Literacy and Lifestyle on the Financial Behavior of Generation Z in Yogyakrta for the 2024/2025 Period with Religiosity as a Moderation Variable

This study examines the impact of lifestyle choices and financial understanding on Generation Z's financial behavior in Yogyakarta with religiosity as a moderating variable during 2024/2025. Using a quantitative method, data were collected through questionnaires distributed to 200 respondents and analyzed with multiple regression. The results demonstrate that lifestyle and financial knowledge both significantly and favorably influence financial behavior, and together they also significantly influence financial behavior. Furthermore, religiosity is found to mitigate the connection between financial conduct and lifestyle.