THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL PAYMENT USAGE ON THE FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z (A STUDY OF STUDENTS AT STIE YAPAN SURABAYA)

This study aims to analyze the influence of financial literacy and digital payment usage on students’ financial management behavior at STIE YAPAN Surabaya. This research uses a quantitative approach with purposive sampling involving 100 respondents. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS.The results showed that financial literacy had a positive and significant effect on financial management behavior, with a t-value of 3.660 and a significance value of 0.001. Digital payment usage also had a positive and significant effect, with a t-value of 2.280 and a significance value of 0.031. Simultaneously, financial literacy and digital payment usage significantly influenced financial management behavior, with an F-value of 10.207 and a significance value of 0.000. The Adjusted R Square value of 0.388 indicates that both variables explain 38.8% of the variation in students’ financial management behavior.