mata788 PERMATA123 PERJAKA188 slot88resmi slot88resmi hati108 login Situs toto warga123 RAJAINDO permata123 Akunbos PERMATA123 jokijp slot88resmi slot88jp https://kl108gambar.com https://kl108gambar.com BMW777 Slot gacor seni108 hoki88 seni108
Vol. 1 No. 1 (2023)
Articles

The Impact of Super Apps Usage on Financial Literacy and Financial Behavior of Generation Z in Indonesia: A Literature Synthesis

Tabina Azzahra
Institut Teknologi Bandung
Kurnia Fajar Afgani
Institut Teknologi Bandung

Published 2023-07-21

Keywords

  • financial behaviour,
  • financial literacy,
  • super apps

How to Cite

Tabina Azzahra, & Kurnia Fajar Afgani. (2023). The Impact of Super Apps Usage on Financial Literacy and Financial Behavior of Generation Z in Indonesia: A Literature Synthesis. Journal Integration of Management Studies, 1(1), 102–106. https://doi.org/10.58229/jims.v1i1.32

Abstract

Based on a literature review, this study explores the relationship between financial technology, financial literacy, and financial behavior. The findings suggest that financial technology is interconnected with financial literacy and behavior. Future research using quantitative or qualitative studies is recommended to investigate this relationship further. The proposed conceptual model can be utilized to examine the impact of super apps on Generation Z's financial literacy and financial behavior in Indonesia. This study contributes to the existing body of knowledge by shedding light on the potential implications of financial technology on individuals' financial knowledge and behaviours, particularly among the younger generation.

References

  1. Annur, C. M. (2022). Literasi dan Inklusi Keuangan Warga Indonesia Meningkat pada 2022. https://databoks.katadata.co.id/datapublish/2022/10/31/literasi-dan-inklusi-keuangan-warga-indonesia-meningkat-pada-2022
  2. Billa, G. (2022, October 4). Forecasting the Future of Super-Apps. The Wall Street Journal. https://deloitte.wsj.com/articles/forecasting-the-future-of-super-apps-01664903214
  3. Billa, G., Aron, Z., & Purowitz, M. (2022a). Western Super-Apps Forecasting Disruption from a Super Trend. https://www2.deloitte.com/content/dam/Deloitte/us/Documents/financial-services/us-fsi-western-super-apps.pdf
  4. Billa, G., Aron, Z., & Purowitz, M. (2022b). Financial Services Super-Apps: Growth and Transformation Through Engagement. Deloitte. https://www2.deloitte.com/content/dam/Deloitte/us/Documents/financial-services/us-fsi-financial-services-super-apps.pdf?id=us:2el:3dp:wsjspon:awa:WSJCIO:2023:WSJFY23
  5. Damayanti, S. M., Murtaqi, I., & Pradana, H. A. (2018). The Importance of Financial Literacy in a Global Economic Era. The Business & Management Review. https://www.proquest.com/docview/2058267409/fulltextPDF/CE43F54915BB4198PQ/1
  6. Edirisinghe, C., Keerthipala, Y. M. S., & Amarasinghe, A. R. (2017). Financial Literacy and Financial Behavior of Management Undergraduates of Sri Lanka. https://www.researchgate.net/publication/320224862_FINANCIAL_LITERACY_AND_FINANCIAL_BEHAVIOR_OF_MANAGEMENT_UNDERGRADUATES_OF_SRI_LANKA
  7. Eka, R. (2021, December 23). Laporan DSInnovate: Fintech Report 2021. https://dailysocial.id/post/laporan-dsinnovate-fintech-report-2021
  8. Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 9(1), 86. https://doi.org/10.7575/aiac.ijels.v.9n.1p.86
  9. Hall, K. (2008, August). The Importance of Financial Literacy. Deepening Financial Capacity in the Pacific Region. https://www.rba.gov.au/publications/bulletin/2008/sep/pdf/bu-0908-3.pdf
  10. Hariyanto. (2022, May 23). Inilah Karakteristik Generasi Z yang Bikin Keuangan Enggak Sehat! https://ajaib.co.id/inilah-karakteristik-generasi-z-yang-bikin-keuangan-enggak-sehat/
  11. Hung, A. A., Parker, A. M., & Yoong, J. K. (2009). Defining and Measuring Financial Literacy. https://www.rand.org/content/dam/rand/pubs/working_papers/2009/RAND_WR708.pdf
  12. Jayani, D. H. (2021, May 24). Proporsi Populasi Generasi Z dan Milenial Terbesar di Indonesia. https://databoks.katadata.co.id/datapublish/2021/05/24/proporsi-populasi-generasi-z-dan-milenial-terbesar-di-indonesia
  13. Khawar, S., & Sarwar, A. (2021). Financial literacy and financial behavior with the mediating effect of family financial socialization in the financial institutions of Lahore, Pakistan. Future Business Journal, 7(1), 27. https://doi.org/10.1186/s43093-021-00064-x
  14. Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1. https://doi.org/10.1186/s41937-019-0027-5
  15. Lusardi, A., & Mitchelli, O. S. (2007). Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education. Business Economics, 42(1), 35–44. https://doi.org/10.2145/20070104
  16. Motta, M. (2022, October 11). The State of Super Apps 2022: Statistics and Trends. Adjust. https://www.adjust.com/blog/the-state-of-super-apps-2022-statistics-and-trends/
  17. OECD. (2016). G20/OECD INFE Core Competencies Framework on Financial Literacy for Adults. https://www.oecd.org/daf/fin/financial-education/Core-Competencies-Framework-Adults.pdf
  18. O'Neill, A. (2023, April 28). Total Population of Indonesia. Statista. https://www.statista.com/statistics/294100/total-population-of-indonesia/
  19. Perri, L. (2022, September 28). What Is a Superapp? https://www.gartner.com/en/articles/what-is-a-superapp
  20. Prawira, M. F. A., Susanto, E., Goeltom, A. D. L., & Furqon, C. (2022). Developing Cashless Tourism from a Tourist Perspective: The Role of TAM and AMO Theory. Journal of Environmental Management and Tourism, 13(8), 2104–2112. https://doi.org/10.14505/jemt.v13.8(64).03