Analisis Digital Financial Literacy, Intensitas Penggunaan Digital Payment, dan Financial Behavior Generasi Z di Kota Padang

The evolution of digital payments has transformed how Generation Z conducts transactions and manages their daily finances. Consequently, digital financial literacy and financial behavior have become critical areas for study, particularly as the use of digital payment services continues to rise. This research aims to analyze digital financial literacy, the intensity of digital payment usage, and financial behavior among Generation Z in the city of Padang. A quantitative, descriptive approach was employed. Data were collected via an online questionnaire from 244 respondents, aged 17–29, who reside in Padang and utilize digital payment services. Participants were selected using purposive sampling, and the data were analyzed through descriptive statistics. The findings indicate that the average score for digital financial literacy knowledge is 15.049 (out of a maximum of 20), while the average score for digital financial literacy attitude is 10.832 (out of a maximum of 15). The intensity of digital payment usage yielded an average score of 35.754 (out of a maximum of 50), and financial behavior reached an average score of 28.783 (out of a maximum of 40). These results provide insight into the knowledge and attitudes of Generation Z regarding digital financial services, the frequency with which they use digital payments, and their habits in managing personal finances. This research is intended to serve as a reference for developing digital financial education initiatives that not only enhance understanding of financial services but also encourage more planned and responsible financial management.