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Apr 26, 2025
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Jun 30, 2025
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Abstract

This study aims to analyze the influence of financial technology (fintech) on the financial inclusion of Generation Z in Indonesia. The research method used was quantitative with an online survey approach via Google Forms. Data were collected from 83 Generation Z respondents and analyzed using simple linear regression with the help of SPSS version 21. The results showed that fintech had a positive and significant effect on the financial inclusion of Generation Z. The more often Generation Z uses fintech services, the higher their level of financial inclusion. This study also highlights the gap in financial inclusion between urban and rural Generation Z. Therefore, efforts are needed to increase the financial inclusion of rural Generation Z, including by improving access to technological infrastructure and financial literacy

Keywords

Fintech, Financial Inclusion, Generation Z, Financial Literacy, Online Loans

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Uluputty, N. F., Hidayat, A., Ningsih, N., Anggun, Y. V., & Salim, R. (2025). Peran Fintech dalam Meningkatkan Inklusi Keuangan Gen-Z. Management and Accounting Research Journal, 5(2), 1-11. Retrieved from https://www.jurnal.ilrscentre.or.id/index.php/mars/article/view/10
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