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Habibi, Ach Fuadi and Mardiana, Mardiana 
ORCID: https://orcid.org/0000-0003-1722-0248
(2026)
E-wallet perceived ease of use, self-control, and financial management among generation z entrepreneurs with digital financial literacy as a moderating variable in Malang city.
Jurnal Ilmiah Ekonomi Bisnis, 31 (1).
pp. 90-108.
ISSN 2089-8002
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Abstract
The rapid growth of financial technology has increased the adoption of digital wallets (e-wallets), particularly among Generation Z entrepreneurs. This study aims to examine the influence of perceived ease of use of e-wallets and self-control on financial management, as well as the moderating role of digital financial literacy among Generation Z entrepreneurs in Malang City. Using a quantitative approach with a survey design, data were collected from 239 respondents through questionnaires. The findings reveal that the perceived ease of use of e-wallets and self-control positively and significantly affect financial management. Digital financial literacy moderates the relationship between e-wallet ease of use and financial management, but does not moderate the relationship between self-control and financial management. These results highlight the importance of balancing financial technology utilization, self-control, and financial literacy to support effective financial management among Generation Z entrepreneurs.
| Item Type: | Journal Article |
|---|---|
| Keywords: | ease of use of e-wallet; self-control; financial management; digital financial literacy |
| Subjects: | 14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics |
| Divisions: | Faculty of Economics > Department of Management |
| Depositing User: | mardiana mardiana |
| Date Deposited: | 13 Oct 2026 09:38 |
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