https://journal.seb.co.id/ijebam <p style="text-align: justify;">We invite researchers, academics and practitioners to submit research results, internship reports, and business design manuscripts to the <strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM).</strong></p> <p style="text-align: justify;"><strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) </strong>is an open peer-reviewed journal dedicated to the publication of research articles, internship reports, and business design articles of economic, business, accounting and management quality, but not implicitly limited. The peer-review process is applied and ethical consideration is in our best interest.</p> <p style="text-align: justify;">All publications in the <strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) </strong>are open access which allows articles to be freely available online without any subscription and free of charge. please <a href="https://journal.seb.co.id/ijebam/about/submissions" target="_blank" rel="noopener">click here to submit online.</a> The cost of publishing articles can be accessed by <a href="https://journal.seb.co.id/ijebam/editorialpolices#:~:text=limited%20to%20implicitly.-,Article%20Processing%20Charges,-Indonesian%20Journal%20of" target="_blank" rel="noopener">clicking here.</a></p> <p style="text-align: justify;">Acceptance of manuscripts has started from now on. We are waiting for your best manuscripts for quality publications. Thank you</p> en-US <p>https://creativecommons.org/licenses/by-sa/4.0/</p> editor.ijebam@gmail.com (Dr. Ambar Lukitaningsih, S.E., M.M.) editor.ijebam@gmail.com (Rayhan Dwi Fajar) Sat, 07 Mar 2026 07:59:13 +0700 OJS 3.3.0.11 http://blogs.law.harvard.edu/tech/rss 60 https://journal.seb.co.id/ijebam/article/view/169 <p>This study aims to analyze the influence of financial literacy, lifestyle, and the use of financial technology on financial management behavior among Generation Z students at the Faculty of Economics, Sarjanawiyata Tamansiswa University. This study used a quantitative method with an associative approach. Data were collected through questionnaires distributed to 100 respondents selected using a stratified random sampling technique. Data analysis was carried out using descriptive statistics, validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results showed that financial literacy and lifestyle had no significant effect on financial management behavior, while the use of financial technology had a positive and significant effect. These findings indicate that the use of financial technology plays an important role in shaping the financial management behavior of Generation Z.</p> Gheovani Dery Setiawan, Ratih Kusumawardhani, Johannes Maysan Damanik Copyright (c) 2026 Gheovani dery Setiawan, Ratih Kusumawardhani, Johannes Maysan Damanik https://creativecommons.org/licenses/by-sa/4.0 https://journal.seb.co.id/ijebam/article/view/169 Tue, 03 Mar 2026 00:00:00 +0700