PERAN LIFESTYLE, SELF-CONTROL DAN FEAR OF MISSING OUT (FOMO) DALAM MEMBENTUK PERILAKU KEUANGAN MAHASISWA GENERASI Z DI ERA CASHLESS SOCIETY
Abstract
Penelitian ini bermaksud guna menganalisis pengaruh lifestyle, self-control maupun Fear of Missing Out (FoMO) terhadap financial behavior pada mahasiswa Generasi Z di era cashless society. Studi mempergunakan pendekatan kuantitatif metode deskriptif. Teknik purposive sampling dipergunakan untuk memperoleh 155 responden mahasiswa Generasi Z dari berbagai universitas di Kota Semarang. Data dihimpun mempergunakan kuesioner daring berskala Likert 1–5 dan dianalisis mempergunakan SEM-PLS melalui SmartPLS versi 4.1.1. Hasil studi memperlihatkan bahwasannya lifestyle berdampak negatif dan signifikan pada financial behavior, self-control berdampak positif maupun signifikan, sedangkan FoMO berdampak negatif dan signifikan pada perilaku keuangan. Hal ini mengindikasikan bahwasannya gaya hidup konsumtif dan rasa takut tertinggal menurunkan kualitas pengelolaan keuangan, sedangkan pengendalian diri memperbaikinya. Penelitian ini mengintegrasikan tiga faktor utama, yaitu lifestyle, self control, dan FoMO, dalam satu model untuk menjelaskan perilaku keuangan Generasi Z di era cashless society. Pendekatan SEM-PLS digunakan secara simultan untuk memberikan kontribusi empiris baru terhadap literatur perilaku keuangan generasi muda di Indonesia.
References
Agustini, A. P., Oktapiani, R., Septrianingsih, H., & Zukhri, N. (2023). From financial literacy to FoMO: Menggali keterkaitan literasi keuangan, social media influencer, dan fear of missing out dalam minat berinvestasi di pasar modal. Innovative: Journal of Social Science Research, 3(4), 145–156. Retrieved from https://j-innovative.org/index.php/Innovative/article/view/4305
Ali, H., Lilik, P., Nugroho, H., Halim, T., Firdaus, K., & Huda, N. (2020). Indonesia Gen Z And Millenial Report 2020: The Battle Of Our Generation. In PT Alvara Strategi Indonesia.
Alruthaya, A., Nguyen, T.-T., & Lokuge, S. (2021). The Application of Digital Technology and the Learning Characteristics of Generation Z in Higher Education. ACIS 2021 - Australasian Conference on Information Systems, Proceedings, 1–7. https://doi.org/10.48550/arXiv.2111.05991
Amelia, C., Hendayana, Y., & Wijayanti, M. (2023). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Universitas Bhayangkara Jakarta Raya. Jurnal Economina, 2(10), 2842–2859. https://doi.org/https://doi.org/10.55681/economina.v2i10.908
Apolo Michelle, M. K. (2023). Pengaruh Fear Of Missing Out (Fomo) Terhadap Perilaku Konsumtif Penggemar KPOP Remaja Akhir Pada Produk Merchandise KPOP. 3(6), 3847–3858. Retrieved from https://j-innovative.org/index.php/Innovative/article/view/6424
Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup pada Perilaku Keuangan pada Generasi Milenial. 1(2), 92–101. Retrieved from https://ojs.stiesa.ac.id/index.php/prisma/article/view/422
Bai, Z., Xu, M., & Hu, J. (2025). Swipe, spend and splurge: exploring how mobile pay affects consumer overspending amid economic downturn and gender difference. International Journal of Bank Marketing, 43(8), 1684–1704. https://doi.org/10.1108/IJBM-08-2024-0519
Candy, & Vira. (2024). Financial Behavior as Key Factors Affecting Indonesian Gen-Z Entrepreneurial Intention. International Journal Of Applied Business Research, 6(2), 152–172. https://doi.org/10.35313/ijabr.v6i02.363
Chang, T.-Z. (Donald), Kong, W. H., & Bahl, A. (2023). Personal values and travel social media use among Generation Z Available to Purchase. Consumer Behavior in Tourism and Hospitality, 18(1), 49–65. https://doi.org/10.1108/CBTH-11-2021-0263
Dangmei, J. (2016). Understanding The Generation Z : The Future Workforce. 3(3), 1–6. Retrieved from https://www.researchgate.net/publication/305280948_UNDERSTANDING_THE_GENERATION_Z_THE_FUTURE_WORKFORCE
Dew, J., & Xiao, J. J. (2013). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. Retrieved from https://www.researchgate.net/publication/256019544_The_Financial_Management_Behavior_Scale_Development_and_Validation
Dian Ayu Nabila, Umi Masitoh, V. A. (2023). Dampak Media Sosial akan Gaya Hidup Mahasiswa Universitas Tulungagung. 13(1), 9–16. https://doi.org/10.38156/gjkmp.v13i1.137
Fungky, T., Sari, T. P., & Sanjaya, V. F. (2023). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z Pada Masa Pandemi. 01(01), 1–15. Retrieved from https://ejournal.tamanlitera.id/index.php/ierj/article/view/21
Goel, P., & Rana, N. P. (2025). I won ’ t touch money because it is dirty : examining customer ’ s loyalty toward M-payment. https://doi.org/10.1108/IJBM-06-2021-0272
Gupta, A. S., & Mukherjee, J. (2024). Exploring personal savings versus hedonic consumption in the new normal. International Journal of Retail and Distribution Management, 52(1), 107–124. https://doi.org/10.1108/IJRDM-07-2023-0422
Habib, S., & Almamy, A. (2025). Impact of FOMO on social media engagement and impulse buying of lifestyle products: mediation analysis. Journal of Innovative Digital Transformation, 2(2), 176–195. https://doi.org/10.1108/jidt-01-2025-0004
Hadi, Y. A., Tambunan, D. B., & Sumaji, Y. M. P. (2022). Pengaruh Gaya Hidup Terhadap Minat Beli Produk Kayu Tree-X. Performa, 7(2), 216–226. https://doi.org/10.37715/jp.v7i2.2016
Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modelling (PLS-SEM) in Second Language and Education Research: Guidelines Using an Applied Example. Research Methods in Applied Linguistics, 1(3). https://doi.org/https://doi.org/10.1016/j.rmal.2022.100027
Hair, J. F., Hult, G. T., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least (PLS-SEM) Using R Equation Modeling Squares Structural : A Workbook. Springer. https://doi.org/https://doi.org/10.1007/978-3-030-80519-7
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM Available to Purchase. European Business Review, 31(1), 2–24. https://doi.org/https://doi.org/10.1108/EBR-11-2018-0203
Hair, Jr., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate Data Analysis (7th ed.). Pearson New International Edition. Retrieved from chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.drnishikantjha.com/papersCollection/Multivariate Data Analysis.pdf
Hemayanti, N., & Nurabiah. (2025). The Influence of Financial Literacy, Financial Technology and Fear of Missing Out on the Financial Behavior of Generation Z. East Asian Journal of Multidisciplinary Research (EAJMR), 4(1), 301–318. https://doi.org/https://doi.org/10.55927/eajmr.v4i1.13276
Hussain, S., Raza, A., & Haider, A. (2023). Fear of missing out and compulsive buying behavior: The moderating role of mindfulness. Journal of Retailing and Consumer Services, 75. https://doi.org/10.1016/j.jretconser.2023.103512
Irawati, R., & Kasemetan, S. L. E. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Jurnal EMA, 8(1), 32. https://doi.org/10.51213/ema.v8i1.312
Ivantchev, B., & Ivantcheva, M. (2024). FOMO effect: social media and online traders. Journal of Management and Financial Sciences, XVI(48). https://doi.org/10.33119/jmfs.2023.48.4
Juliandi, A. (2018). Structural equatuion model based partial least square (SEM-PLS): Menggunakan SmartPLS. https://doi.org/10.5281/ZENODO.1243777
Julito, K. A., & Rafi, M. (2023). Pengaruh Judi Online dan Lifestyle Terhadap perilaku keuangan. 8(2), 34–45. https://doi.org/https://doi.org/10.52447/jam.v8i2.7351
Kadarningsih, A. N. A., Oktavia, V., Falah, T. R. F., & Sari, Y. S. (2021). Profitability As Determining Factor to Anticipate Company Bankruptcy. 39(November). https://doi.org/10.25115/eea.v39i12.6171
Katadata, I. C. (2021). Perilaku Keuangan Generasi Z & Y.
Keller, K. L. (2016). Marketing Management.
Kholkina, V., Chesnokova, E., & Zalenskaya, E. (2025). Virtual or human? The impact of the influencer type on Gen Z consumer outcomes. Journal of Product & Brand Management, 34(1), 104–118. https://doi.org/https://doi.org/10.1108/JPBM-12-2023-4885
Lazuardy, I. T. (2023). Pengaruh Social Media Marketing, Life Style, dan Store Atmosphere terhadap Keputusan Pembelian Konsumen Mixue di Yogyakarta. Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa, 4(2), 31. https://doi.org/10.35917/cb.v4i2.452
Liu, H., Meng-Lewis, Y., & Liu, W. (2024). Excessive information on social media and Generation Z’s long-term COVID-19 vaccine advocacy: a post-pandemic perspective. In Information Technology and People. https://doi.org/10.1108/ITP-06-2023-0622
McKinsey. (2024). What is Gen Z? Retrieved October 31, 2025, from McKinsey & Company website: https://www.mckinsey.com/featured-insights/mckinsey-explainers/what-is-gen-z
Mukti, A. H., Sastrodiharjo, I., & Hariyanto, O. I. . (2024). Financial Literacy, Financial Management, Social Legitimacy and Being FOMO on Impulsive Buying: Evidence on Leisure Activity Coldplay Concert Euphoria on Indonesian Gen Z Generation. Atestasi : Jurnal Ilmiah Akuntansi, 7(1), 639–660. https://doi.org/10.57178/atestasi.v7i1.843
Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi Keuangan, Pendapatan dan Gaya Hidup Terhadap Pengelolaan Keuangan di Masa Pandemi. 21(3), 1245–1248. https://doi.org/10.33087/jiubj.v21i3.1647
Nizar, M. (2024). The Impact Of Availability Bias And Representative Bias On Investment Decisions And Performance: The Role Of Fomo As An Intervening Variable. 12(1), 71–89. https://doi.org/10.31846/jae.v12i1.730
Nuraini, Y., Indriasari, I., & Meiriyanti, R. (2023). No TitlePengaruh Gaya Hidup, Locus Of Control, Dan Pendapatan Terhadap Perilaku Manajemen Keuangan Mahasiswa. Jurnal Manajemen Dan Bisnis, 2(4). https://doi.org/https://doi.org/10.54259/manabis.v2i4.2319
Prawitasari, D., Kadarningsih, A., & Ahmad, M. (2025). Financial Behavior of Gen Z Students: Digital Lifestyle, FoMo, and Financial Literacy. Solusi, 23(3), 475–487. https://doi.org/10.26623/slsi.v23i3.12359
Przybylski, A. K., Murayama, K., DeHaan, C. R., & Gladwell, V. (2013). Motivational, emotional, and behavioral correlates of fear of missing out. Computers in Human Behavior, 29(4), 1841–1848. https://doi.org/https://doi.org/10.1016/j.chb.2013.02.014
Putri, N. M. E., & Andarini, S. (2022). Pengaruh Self Control Dan Financial Attitude Terhadap Financial Management Behavior Pengguna Layanan Buy Now Pay Later. 21(1), 60–74. https://doi.org/10.19184/jeam.v21i1.30594
Qian, R., & Palvia, P. (2022). AIS Electronic Library ( AISeL ) The Impact of Mobile Payment on Consumer Behavior : A Unified Model The Impact of Mobile Payment on Consumer Behavior : A Unified Model.
Rakhman, Y. A., & Pertiwi, T. K. (2023). Literasi Keuangan, Penggunaan E-Money, Kontrol Diri, Dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online. 5(1), 31–41. https://doi.org/10.31539/jomb.v5i1.6701
Sampoerno, A. E., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial Kota Surabaya. Jurnal Ilmu Manajemen, 9(3), 1002–1014. https://doi.org/10.26740/jim.v9n3.p1002-1014
Septyaningtyas, D. R., & Laely, N. (2024). The Effect of Lifestyle, FoMO, and Self Control On Personal Financial Planning. 2, 821–824. https://doi.org/10.29407/drdd9289
Sholeh, A. (2017). The Relationship among Hedonistic Lifestyle, Life Satisfaction, and Happiness on College Students. International Journal of Social Science and Humanity, 7(9), 604–607. https://doi.org/10.18178/ijssh.2017.7.9.892 Authors:
Siswanti, I., & Halida, A. M. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self-Control as Mediating. 28(01), 105–132. https://doi.org/https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Sulhan, M., & Putri, E. (2023). The Effect of Love of Money, FOMO & Self-Control on Generation Z Personal Financial Planning With Financial Literacy As A Moderating Variable. International Conference of Islamic Economics & Business, (2019), 723–730. Retrieved from http://conferences.uin-malang.ac.id/index.php/iconies/article/view/2181
SunLife. (2025). Financial Resilience Index Reveals Gen Z as the Most Vulnerable Generation Amid Inflation Pressures and a Growing Focus on Short-Term Financial Planning. Retrieved November 4, 2025, from Sun Life Indonesia website: https://www.sunlife.co.id/en/about-us/newsroom/press-releases/2025/sun-life-indonesia-financial-resilience-index-reveals-gen-z/
Syahwildan, M., Prasetyo, G. A., & Damayanti, T. (2022). Pengaruh Pendapatan, Literasi Keuangan dan Gaya Hidup terhadap Perilaku Manajemen Keuangan. 01(01), 29–38.
Tan, X., & Meng, K. (2025). Financial education and budgeting behavior among college students : extending the theory of planned behavior. (November). https://doi.org/10.1108/IJBM-05-2024-0285
Tandon, A., Dhir, A., Almugren, I., AlNemer, G. N., & Mäntymäki, M. (2021). Fear of missing out (FoMO) among social media users: a systematic literature review, synthesis and framework for future research. Internet Research, 31(3), 782–821. https://doi.org/10.1108/INTR-11-2019-0455
Trivani, G., & Soleha, E. (2023). The Effect of Financial Literacy, Income and Self Control on Financial Behavior Generation Z (Study on Generation Z Financial Behavior in Bekasi Regency). Economic Education Analysis Journal, 12(1), 69–79. https://doi.org/10.15294/eeaj.v12i1.67452
Wahyuni, H. (2024). The Influence of Financial Literacy, Income, and Lifestyle on Personal Financial Management with Self Control as a Moderating Variable. Jurnal Manajemen Dan Kewirausahaan, 12(1), 14–20. https://doi.org/10.26905/jmdk.v12i1.11692
Wahyuni, U. S., & Setiawati, R. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z Di Provinsi Jambi. 10(4), 164–175.
Widiantari, R., & Dewi, S. K. (2024). Pengaruh Literasi Keuangan, Kontrol Diri dan Perilaku FoMO terhadap Perilaku Pengelolaan Keuangan (Studi Kasus Mahasiswa Prodi Akuntansi FE Undiksha). Vokasi : Jurnal Riset Akuntansi, 13(1), 82–92. https://doi.org/10.23887/vjra.v13i1.75485
Widyaningrum, R., & Susilarini, T. (2021). Hubungan Antara Kontrol Diri dan Efikasi Diri Dengan Prokrastinasi Akademik Pada Siswa Kelas XI SMAIT Raflesia Depok. Jurnal IKRA-ITH Humaniora, 5(2), 36. Retrieved from https://journals.upi-yai.ac.id/index.php/ikraith-humaniora/article/view/953.
Worldbank. (2022). COVID-19 Drives Global Surge in use of Digital Payments. Retrieved October 31, 2025, from World Bank website: https://www.worldbank.org/en/news/press-release/2022/06/29/covid-19-drives-global-surge-in-use-of-digital-payments
Xi, Y., Huo, J., Zhao, X., Jiang, Y., & Yang, Q. (2022). The effects of fear of missing out on social media posting preferences. European Journal of Marketing, 56(12), 3453–3484. https://doi.org/10.1108/EJM-10-2021-0814
Yonatan, A. Z. (2024). Survei GoodStats: Bagaimana Kesadaran Finansial Warga Indonesia 2024? Retrieved November 4, 2025, from GoodStatS website: https://goodstats.id/article/survei-goodstats-kesadaran-pengelolaan-keuangan-di-indonesia-masih-rendah-kRNo1
Yulianto, M. D., Anggraeni, M. D., Alviasari, A., Adi, M., Maya, M., Amelia, R., … Rozak, A. (2024). Pengaruh Fear of Missing Out (FOMO) di Media Sosial terhadap Kesehatan Keuangan Generasi Z. 2(2). https://doi.org/https://doi.org/10.61132/jubikin.v1i2.99
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Ali, H., Lilik, P., Nugroho, H., Halim, T., Firdaus, K., & Huda, N. (2020). Indonesia Gen Z And Millenial Report 2020: The Battle Of Our Generation. In PT Alvara Strategi Indonesia.
Alruthaya, A., Nguyen, T.-T., & Lokuge, S. (2021). The Application of Digital Technology and the Learning Characteristics of Generation Z in Higher Education. ACIS 2021 - Australasian Conference on Information Systems, Proceedings, 1–7. https://doi.org/10.48550/arXiv.2111.05991
Amelia, C., Hendayana, Y., & Wijayanti, M. (2023). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Universitas Bhayangkara Jakarta Raya. Jurnal Economina, 2(10), 2842–2859. https://doi.org/https://doi.org/10.55681/economina.v2i10.908
Apolo Michelle, M. K. (2023). Pengaruh Fear Of Missing Out (Fomo) Terhadap Perilaku Konsumtif Penggemar KPOP Remaja Akhir Pada Produk Merchandise KPOP. 3(6), 3847–3858. Retrieved from https://j-innovative.org/index.php/Innovative/article/view/6424
Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup pada Perilaku Keuangan pada Generasi Milenial. 1(2), 92–101. Retrieved from https://ojs.stiesa.ac.id/index.php/prisma/article/view/422
Bai, Z., Xu, M., & Hu, J. (2025). Swipe, spend and splurge: exploring how mobile pay affects consumer overspending amid economic downturn and gender difference. International Journal of Bank Marketing, 43(8), 1684–1704. https://doi.org/10.1108/IJBM-08-2024-0519
Candy, & Vira. (2024). Financial Behavior as Key Factors Affecting Indonesian Gen-Z Entrepreneurial Intention. International Journal Of Applied Business Research, 6(2), 152–172. https://doi.org/10.35313/ijabr.v6i02.363
Chang, T.-Z. (Donald), Kong, W. H., & Bahl, A. (2023). Personal values and travel social media use among Generation Z Available to Purchase. Consumer Behavior in Tourism and Hospitality, 18(1), 49–65. https://doi.org/10.1108/CBTH-11-2021-0263
Dangmei, J. (2016). Understanding The Generation Z : The Future Workforce. 3(3), 1–6. Retrieved from https://www.researchgate.net/publication/305280948_UNDERSTANDING_THE_GENERATION_Z_THE_FUTURE_WORKFORCE
Dew, J., & Xiao, J. J. (2013). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. Retrieved from https://www.researchgate.net/publication/256019544_The_Financial_Management_Behavior_Scale_Development_and_Validation
Dian Ayu Nabila, Umi Masitoh, V. A. (2023). Dampak Media Sosial akan Gaya Hidup Mahasiswa Universitas Tulungagung. 13(1), 9–16. https://doi.org/10.38156/gjkmp.v13i1.137
Fungky, T., Sari, T. P., & Sanjaya, V. F. (2023). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z Pada Masa Pandemi. 01(01), 1–15. Retrieved from https://ejournal.tamanlitera.id/index.php/ierj/article/view/21
Goel, P., & Rana, N. P. (2025). I won ’ t touch money because it is dirty : examining customer ’ s loyalty toward M-payment. https://doi.org/10.1108/IJBM-06-2021-0272
Gupta, A. S., & Mukherjee, J. (2024). Exploring personal savings versus hedonic consumption in the new normal. International Journal of Retail and Distribution Management, 52(1), 107–124. https://doi.org/10.1108/IJRDM-07-2023-0422
Habib, S., & Almamy, A. (2025). Impact of FOMO on social media engagement and impulse buying of lifestyle products: mediation analysis. Journal of Innovative Digital Transformation, 2(2), 176–195. https://doi.org/10.1108/jidt-01-2025-0004
Hadi, Y. A., Tambunan, D. B., & Sumaji, Y. M. P. (2022). Pengaruh Gaya Hidup Terhadap Minat Beli Produk Kayu Tree-X. Performa, 7(2), 216–226. https://doi.org/10.37715/jp.v7i2.2016
Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modelling (PLS-SEM) in Second Language and Education Research: Guidelines Using an Applied Example. Research Methods in Applied Linguistics, 1(3). https://doi.org/https://doi.org/10.1016/j.rmal.2022.100027
Hair, J. F., Hult, G. T., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least (PLS-SEM) Using R Equation Modeling Squares Structural : A Workbook. Springer. https://doi.org/https://doi.org/10.1007/978-3-030-80519-7
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM Available to Purchase. European Business Review, 31(1), 2–24. https://doi.org/https://doi.org/10.1108/EBR-11-2018-0203
Hair, Jr., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate Data Analysis (7th ed.). Pearson New International Edition. Retrieved from chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.drnishikantjha.com/papersCollection/Multivariate Data Analysis.pdf
Hemayanti, N., & Nurabiah. (2025). The Influence of Financial Literacy, Financial Technology and Fear of Missing Out on the Financial Behavior of Generation Z. East Asian Journal of Multidisciplinary Research (EAJMR), 4(1), 301–318. https://doi.org/https://doi.org/10.55927/eajmr.v4i1.13276
Hussain, S., Raza, A., & Haider, A. (2023). Fear of missing out and compulsive buying behavior: The moderating role of mindfulness. Journal of Retailing and Consumer Services, 75. https://doi.org/10.1016/j.jretconser.2023.103512
Irawati, R., & Kasemetan, S. L. E. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Jurnal EMA, 8(1), 32. https://doi.org/10.51213/ema.v8i1.312
Ivantchev, B., & Ivantcheva, M. (2024). FOMO effect: social media and online traders. Journal of Management and Financial Sciences, XVI(48). https://doi.org/10.33119/jmfs.2023.48.4
Juliandi, A. (2018). Structural equatuion model based partial least square (SEM-PLS): Menggunakan SmartPLS. https://doi.org/10.5281/ZENODO.1243777
Julito, K. A., & Rafi, M. (2023). Pengaruh Judi Online dan Lifestyle Terhadap perilaku keuangan. 8(2), 34–45. https://doi.org/https://doi.org/10.52447/jam.v8i2.7351
Kadarningsih, A. N. A., Oktavia, V., Falah, T. R. F., & Sari, Y. S. (2021). Profitability As Determining Factor to Anticipate Company Bankruptcy. 39(November). https://doi.org/10.25115/eea.v39i12.6171
Katadata, I. C. (2021). Perilaku Keuangan Generasi Z & Y.
Keller, K. L. (2016). Marketing Management.
Kholkina, V., Chesnokova, E., & Zalenskaya, E. (2025). Virtual or human? The impact of the influencer type on Gen Z consumer outcomes. Journal of Product & Brand Management, 34(1), 104–118. https://doi.org/https://doi.org/10.1108/JPBM-12-2023-4885
Lazuardy, I. T. (2023). Pengaruh Social Media Marketing, Life Style, dan Store Atmosphere terhadap Keputusan Pembelian Konsumen Mixue di Yogyakarta. Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa, 4(2), 31. https://doi.org/10.35917/cb.v4i2.452
Liu, H., Meng-Lewis, Y., & Liu, W. (2024). Excessive information on social media and Generation Z’s long-term COVID-19 vaccine advocacy: a post-pandemic perspective. In Information Technology and People. https://doi.org/10.1108/ITP-06-2023-0622
McKinsey. (2024). What is Gen Z? Retrieved October 31, 2025, from McKinsey & Company website: https://www.mckinsey.com/featured-insights/mckinsey-explainers/what-is-gen-z
Mukti, A. H., Sastrodiharjo, I., & Hariyanto, O. I. . (2024). Financial Literacy, Financial Management, Social Legitimacy and Being FOMO on Impulsive Buying: Evidence on Leisure Activity Coldplay Concert Euphoria on Indonesian Gen Z Generation. Atestasi : Jurnal Ilmiah Akuntansi, 7(1), 639–660. https://doi.org/10.57178/atestasi.v7i1.843
Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi Keuangan, Pendapatan dan Gaya Hidup Terhadap Pengelolaan Keuangan di Masa Pandemi. 21(3), 1245–1248. https://doi.org/10.33087/jiubj.v21i3.1647
Nizar, M. (2024). The Impact Of Availability Bias And Representative Bias On Investment Decisions And Performance: The Role Of Fomo As An Intervening Variable. 12(1), 71–89. https://doi.org/10.31846/jae.v12i1.730
Nuraini, Y., Indriasari, I., & Meiriyanti, R. (2023). No TitlePengaruh Gaya Hidup, Locus Of Control, Dan Pendapatan Terhadap Perilaku Manajemen Keuangan Mahasiswa. Jurnal Manajemen Dan Bisnis, 2(4). https://doi.org/https://doi.org/10.54259/manabis.v2i4.2319
Prawitasari, D., Kadarningsih, A., & Ahmad, M. (2025). Financial Behavior of Gen Z Students: Digital Lifestyle, FoMo, and Financial Literacy. Solusi, 23(3), 475–487. https://doi.org/10.26623/slsi.v23i3.12359
Przybylski, A. K., Murayama, K., DeHaan, C. R., & Gladwell, V. (2013). Motivational, emotional, and behavioral correlates of fear of missing out. Computers in Human Behavior, 29(4), 1841–1848. https://doi.org/https://doi.org/10.1016/j.chb.2013.02.014
Putri, N. M. E., & Andarini, S. (2022). Pengaruh Self Control Dan Financial Attitude Terhadap Financial Management Behavior Pengguna Layanan Buy Now Pay Later. 21(1), 60–74. https://doi.org/10.19184/jeam.v21i1.30594
Qian, R., & Palvia, P. (2022). AIS Electronic Library ( AISeL ) The Impact of Mobile Payment on Consumer Behavior : A Unified Model The Impact of Mobile Payment on Consumer Behavior : A Unified Model.
Rakhman, Y. A., & Pertiwi, T. K. (2023). Literasi Keuangan, Penggunaan E-Money, Kontrol Diri, Dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online. 5(1), 31–41. https://doi.org/10.31539/jomb.v5i1.6701
Sampoerno, A. E., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial Kota Surabaya. Jurnal Ilmu Manajemen, 9(3), 1002–1014. https://doi.org/10.26740/jim.v9n3.p1002-1014
Septyaningtyas, D. R., & Laely, N. (2024). The Effect of Lifestyle, FoMO, and Self Control On Personal Financial Planning. 2, 821–824. https://doi.org/10.29407/drdd9289
Sholeh, A. (2017). The Relationship among Hedonistic Lifestyle, Life Satisfaction, and Happiness on College Students. International Journal of Social Science and Humanity, 7(9), 604–607. https://doi.org/10.18178/ijssh.2017.7.9.892 Authors:
Siswanti, I., & Halida, A. M. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self-Control as Mediating. 28(01), 105–132. https://doi.org/https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Sulhan, M., & Putri, E. (2023). The Effect of Love of Money, FOMO & Self-Control on Generation Z Personal Financial Planning With Financial Literacy As A Moderating Variable. International Conference of Islamic Economics & Business, (2019), 723–730. Retrieved from http://conferences.uin-malang.ac.id/index.php/iconies/article/view/2181
SunLife. (2025). Financial Resilience Index Reveals Gen Z as the Most Vulnerable Generation Amid Inflation Pressures and a Growing Focus on Short-Term Financial Planning. Retrieved November 4, 2025, from Sun Life Indonesia website: https://www.sunlife.co.id/en/about-us/newsroom/press-releases/2025/sun-life-indonesia-financial-resilience-index-reveals-gen-z/
Syahwildan, M., Prasetyo, G. A., & Damayanti, T. (2022). Pengaruh Pendapatan, Literasi Keuangan dan Gaya Hidup terhadap Perilaku Manajemen Keuangan. 01(01), 29–38.
Tan, X., & Meng, K. (2025). Financial education and budgeting behavior among college students : extending the theory of planned behavior. (November). https://doi.org/10.1108/IJBM-05-2024-0285
Tandon, A., Dhir, A., Almugren, I., AlNemer, G. N., & Mäntymäki, M. (2021). Fear of missing out (FoMO) among social media users: a systematic literature review, synthesis and framework for future research. Internet Research, 31(3), 782–821. https://doi.org/10.1108/INTR-11-2019-0455
Trivani, G., & Soleha, E. (2023). The Effect of Financial Literacy, Income and Self Control on Financial Behavior Generation Z (Study on Generation Z Financial Behavior in Bekasi Regency). Economic Education Analysis Journal, 12(1), 69–79. https://doi.org/10.15294/eeaj.v12i1.67452
Wahyuni, H. (2024). The Influence of Financial Literacy, Income, and Lifestyle on Personal Financial Management with Self Control as a Moderating Variable. Jurnal Manajemen Dan Kewirausahaan, 12(1), 14–20. https://doi.org/10.26905/jmdk.v12i1.11692
Wahyuni, U. S., & Setiawati, R. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z Di Provinsi Jambi. 10(4), 164–175.
Widiantari, R., & Dewi, S. K. (2024). Pengaruh Literasi Keuangan, Kontrol Diri dan Perilaku FoMO terhadap Perilaku Pengelolaan Keuangan (Studi Kasus Mahasiswa Prodi Akuntansi FE Undiksha). Vokasi : Jurnal Riset Akuntansi, 13(1), 82–92. https://doi.org/10.23887/vjra.v13i1.75485
Widyaningrum, R., & Susilarini, T. (2021). Hubungan Antara Kontrol Diri dan Efikasi Diri Dengan Prokrastinasi Akademik Pada Siswa Kelas XI SMAIT Raflesia Depok. Jurnal IKRA-ITH Humaniora, 5(2), 36. Retrieved from https://journals.upi-yai.ac.id/index.php/ikraith-humaniora/article/view/953.
Worldbank. (2022). COVID-19 Drives Global Surge in use of Digital Payments. Retrieved October 31, 2025, from World Bank website: https://www.worldbank.org/en/news/press-release/2022/06/29/covid-19-drives-global-surge-in-use-of-digital-payments
Xi, Y., Huo, J., Zhao, X., Jiang, Y., & Yang, Q. (2022). The effects of fear of missing out on social media posting preferences. European Journal of Marketing, 56(12), 3453–3484. https://doi.org/10.1108/EJM-10-2021-0814
Yonatan, A. Z. (2024). Survei GoodStats: Bagaimana Kesadaran Finansial Warga Indonesia 2024? Retrieved November 4, 2025, from GoodStatS website: https://goodstats.id/article/survei-goodstats-kesadaran-pengelolaan-keuangan-di-indonesia-masih-rendah-kRNo1
Yulianto, M. D., Anggraeni, M. D., Alviasari, A., Adi, M., Maya, M., Amelia, R., … Rozak, A. (2024). Pengaruh Fear of Missing Out (FOMO) di Media Sosial terhadap Kesehatan Keuangan Generasi Z. 2(2). https://doi.org/https://doi.org/10.61132/jubikin.v1i2.99
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Published
2026-02-28
How to Cite
Kinasih, W., Puspitasari, D., Prawitasari, D., & Chasanah, A. N. (2026). PERAN LIFESTYLE, SELF-CONTROL DAN FEAR OF MISSING OUT (FOMO) DALAM MEMBENTUK PERILAKU KEUANGAN MAHASISWA GENERASI Z DI ERA CASHLESS SOCIETY. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 10(1), 1191-1211. https://doi.org/10.31955/mea.v10i1.7139
Section
Articles
Copyright (c) 2026 Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA)
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
