Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menganalisis pengaruh Digital Financial Literacy, Financial Technology, dan Digital Saving Behavior terhadap Financial Well-Being Generasi Z di Kota Banda Aceh, serta menguji peran Persepsi Implementasi Qanun LKS sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif asosiatif kausal dengan teknik purposive sampling terhadap 120 responden Generasi Z yang berdomisili di Kota Banda Aceh dan aktif menggunakan layanan keuangan digital. Data dikumpulkan melalui kuesioner skala Likert 1–5 dan dianalisis menggunakan Moderated Regression Analysis (MRA) dengan SPSS versi 26. Hasil penelitian menunjukkan bahwa Digital Financial Literacy dan Financial Technology berpengaruh positif namun tidak signifikan terhadap Financial Well-Being, sedangkan Digital Saving Behavior terbukti berpengaruh positif dan signifikan sebagai variabel paling dominan dalam model. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap Financial Well-Being. Adapun Persepsi Implementasi Qanun LKS tidak terbukti memoderasi hubungan antara seluruh variabel independen terhadap Financial Well-Being. Penelitian ini menyimpulkan bahwa kesejahteraan finansial Generasi Z lebih ditentukan oleh perilaku keuangan yang konkret dibandingkan aspek pengetahuan maupun akses teknologi, sekaligus memberikan kontribusi empiris baru sebagai penelitian pertama yang menguji Qanun LKS sebagai variabel moderasi terhadap Financial Well-Being Generasi Z.
Kata Kunci: Digital Financial Literacy, Financial Technology, Digital Saving Behavior, Financial Well-Being, Qanun LKS, Generasi Z

This study aims to analyze the effect of Digital Financial Literacy, Financial Technology, and Digital Saving Behavior on the Financial Well-Being of Generation Z in Banda Aceh, and to examine the moderating role of Perceptions of Qanun LKS Implementation. This study employs a causal associative quantitative approach with purposive sampling of 120 Generation Z respondents residing in Banda Aceh who actively use digital financial services. Data were collected through a Likert scale 1–5 questionnaire and analyzed using Moderated Regression Analysis (MRA) with SPSS version 26. The results indicate that Digital Financial Literacy and Financial Technology have a positive but insignificant effect on Financial Well-Being, while Digital Saving Behavior has a significant positive effect as the most dominant variable in the model. Simultaneously, all three independent variables significantly affect Financial Well-Being. The Perception of Qanun LKS Implementation does not moderate any of these relationships. This study concludes that the financial well-being of Generation Z is more determined by concrete financial behavior than by knowledge or technology access, while also providing new empirical contribution as the first study to test Qanun LKS as a moderating variable on Financial Well-Being. Keywords: Digital Financial Literacy, Financial Technology, Digital Saving Behavior, Financial Well-Being, Qanun LKS, Generation Z