Digital Financial Knowledge and Behavior of Generation Z in Indonesia

2022 ◽  
pp. 96-117
Author(s):  
Khairunnisa Musari ◽  
Sutan Emir Hidayat
Keyword(s):  
Future Generation ◽  
Financial Inclusion ◽  
Financial Knowledge ◽  
Technology Literacy ◽  
Inclusive Development ◽  
Population Census ◽  
Digital Era ◽  
Generation Z ◽  
Survey Results ◽  
And Behavior

The Indonesian Population Census 2020 reported that the majority of Indonesia's population is in the productive age group and dominated by Generation Z (27.94%). As the generation that currently dominates the population, Generation Z's characteristics are important to learn. They are the future. Generation Z has the potency to accelerate Indonesia's financial inclusion through digitalization because they are adaptable to technology. Responding to the survey results which put Generation Z in Indonesia in the first rank for the levels of happiness and religious awareness, a survey was conducted for Islamic financial technology literacy to find out how they face challenges as well as opportunities in digital era to be in line with religious values and may accelerate financial inclusion. The great potential of Generation Z for technology as well as religious awareness in turn will support financial inclusion towards inclusive development in Indonesia. Hence, this chapter will describe the survey results of digital financial knowledge and behavior of Generation Z in Indonesia.

PENERAPAN TIPOLOGI PASAR, ARSITEKTUR DAN PERILAKU GENERASI Z PADA PERANCANGAN PASAR MASA DEPAN DI GONDANGDIA

2021 ◽  
Vol 3 (1) ◽  
pp. 995
Author(s):  
Irwin Irwin ◽  
Doddy Yuono
Keyword(s):  
Public Space ◽  
Emerging Market ◽  
Design Strategy ◽  
Public Spaces ◽  
Future Market ◽  
Generation Z ◽  
Equal Space ◽  
And Behavior ◽  
Changes Over Time ◽  
Over Time

The pandemic caused by the corona virus has changed the lifestyle of humans, both directly and indirectly, especially generation Z in Jakarta. The way humans meet their primary needs also changes over time. Many of generation Z decide to shop online to meet their individual needs. Generation Z defines balance as one of the things that is seen in living life, including meeting their needs and interacting with others. The Future Market in Gondangdia exists as a forum that provides space for buying and selling transactions to be more interactive, creative, flexible, and in accordance with health protocols. Through dis-programming, combining creative buying and selling programs and public space as one unit in a design is one of the methods used in designing architectural programs. The combination of the two programs creates an equal space with alternate uses depending on time. The emerging market typology method and its relation to Z generation architecture and behavior become a design strategy in designing. This provides an innovative and interactive buying and selling space according to the needs of generation Z. Keywords: Buy and sell spaces; Public spaces; Future markets; Generation Z; Buy and sell; Dis-programming AbstrakPandemi yang disebabkan oleh virus korona telah mengubah gaya hidup manusia, baik secara langsung maupun tidak langsung, khususnya generasi Z di Jakarta. Cara manusia dalam memenuhi kebutuhan primernya pun berubah seiring berjalannya waktu. Banyak dari generasi Z memutuskan untuk berbelanja online untuk memenuhi kebutuhannya masing-masing. Generasi Z mendefinisikan keseimbangan sebagai salah satu hal yang dilihat dalam menjalani kehiduoan termasuk dalam memenuhi kebutuhannya dan berinteraksi dengan sesamanya. Melalui dis-programming memadukan program jual beli kreatif dan ruang publik sebagai satu kesatuan di dalam sebuah desain merupakan salah satu metodw yang digunakan dalam perancangan program arsitektur. Perpaduan kedua program tersebut menciptakan sebuah ruang yang sama dengan penggunaanya bergantian tergantung oleh waktu. Metode tipologi pasar yang berkembang dan kaitannya dengan arsitektur dan perilaku generasi Z menjadi strategi desain dalam merancang. Hal ini memberikan ruang jual beli yang inovatif dan interaktif sesuai dengan kebutuhan generasi Z.

scholarly journals Peace Education Model Based on the Piramid Model to Reach Forgiveness to Increase Resilience Tobullying Victims in the Digital Era

2021 ◽  
Vol 58 (1) ◽  
pp. 5313-5320
Author(s):  
Tristiadi Ardi Ardani Et al.
Keyword(s):  
Research And Development ◽  
Peace Education ◽  
Design Approach ◽  
Survey Method ◽  
Digital Era ◽  
Research Procedure ◽  
Approach Method ◽  
Psychology Perspective ◽  
Education Model ◽  
And Behavior

  The aim of this article is to develop a forgiveness-based peace education model to increase resilience. Peace Education is the process of obtaining values, knowledge and developing attitudes, skills and behavior to live in harmony with oneself, with others, and with the natural environment. In a positive psychology perspective, forgiveness is an effort to become an afterthought and practice to reconcile the soul in the digital era. While resilience is an individual's ability to remain able to survive and remain psychologically stable and healthy after going through traumatic events. Meanwhile, this research method uses a development research design approach. Gay (1990) The research and development design approach method is a research procedure that produces a product that is effective for use at both the university learning level and school learning. The design of research and development designs through the exploratory and experimental stages. The explorative stage with a quantitative approachwith a survey method to analyze the problem. While the experimental stage uses experimental stages in existing research.

scholarly journals PENDEKATAN INKLUSI KEUANGAN DAN TEORI PERILAKU TERENCANA DALAM ANALISIS PERILAKU UTANG

2019 ◽  
Vol 4 (2) ◽  
pp. 193
Author(s):  
HERISPON HERISPON
Keyword(s):  
Research Study ◽  
Behavioral Control ◽  
Positive Influence ◽  
Subjective Norms ◽  
Financial Inclusion ◽  
Household Debt ◽  
And Behavior ◽  
Behavioral Attitudes ◽  
Debt Behavior

Debt behavior in daily life is not new; debt behavior is almost as old as human civilization because it has been detected since 3200 years BC. Until now debt behavior has become a trend in modern household life for a variety of reasons, therefore household debt behavior still has an appeal for a research study. The purpose of this study is: to test debt behavior with a financial inclusion approach and theory of planned behavior. Method: using the method of nonprobability sampling and purposive sampling, household units were sampled as many as 390 respondents with population areas of Pekanbaru City, Indonesia. The analytical tool used is SEM-warp PLS version 6. Findings: that TPB with three main elements namely behavioral attitudes, subjective norms and behavioral control can predict intentions and behavior of household debt, financial inclusion can then have a strong positive influence on debt behavior household. Conclusion: debt used as alternative income can smooth consumption, improve the quality of life and welfare in the household, but debt remains a burden and an obligation that must be paid by the household

scholarly journals Financial Literacy in Japan: New Evidence Using Financial Knowledge, Behavior, and Attitude

2020 ◽  
Vol 12 (9) ◽  
pp. 3683 ◽  
Author(s):  
Yoshihiko Kadoya ◽  
Mostafa Saidur Rahim Khan
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Well Being ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Economic Factors ◽  
Financial Decisions ◽  
Aged People ◽  
And Behavior ◽  
Socio Economic Factors

Success in the current complex and sophisticated financial marketplaces depends on the ability of people to make sustainable financial decisions to improve their future well-being, for which financial literacy is a pathway. This study examines the relationship between the demographic and socio-economic factors and financial literacy in Japan by segregating financial literacy into financial knowledge, attitude, and behavior, and providing a deeper understanding of the relationships. The methodology included using data from the Financial Literacy Survey 2016 by the Central Council for Financial Services Information of Japan. We used a linear regression model to explain how demographic and socio-economic factors relate to financial knowledge, attitude, and behavior. Results show that education, the balance of financial assets, and the use of financial information are positively related, while the experience of financial trouble is negatively related to financial knowledge, attitude, and behavior. We show that males are more financially knowledgeable than females, but females are more positive than males with regard to financial behavior and financial attitude. Age is positively related to financial knowledge but negatively related to financial attitude, thus suggesting that middle-aged people in Japan are more financially knowledgeable, but younger and older people are more positive with regard to financial behavior and attitude. The findings have implications for policymakers.

Theories in Futures Studies: Examining the Theory Base of the Futures Field in Light of Survey Results

2019 ◽  
Vol 12 (1) ◽  
pp. 12-25 ◽  
Author(s):  
Matti Minkkinen
Keyword(s):  
Research Centre ◽  
Futures Studies ◽  
Theoretical Frameworks ◽  
Postgraduate Students ◽  
Making Sense ◽  
Theoretical Approaches ◽  
Survey Results ◽  
Theories Of Change ◽  
And Behavior ◽  
Theory Base

This review article opens discussion on theories in futures studies by analyzing survey results from Finland Futures Research Centre and using the results as an entry point to discussing theoretical lineages found in the literature. The survey, conducted in 2019, included twenty-four responses from researchers and postgraduate students. Altogether 192 different theories or theoretical frameworks were identified. Social science theories and conceptual frameworks were particularly prevalent in the responses, and the most common recurring themes included systems, complexity, and anticipation. The responses are discussed in terms of three levels: philosophy of science, theories of futures studies, and theories in futures studies. Theories in futures studies are further divided into theories of action, practices, and behavior; theories of change; and theories on the micro-, meso-, and macro levels. The results are contextualized and complemented by proposing five functionally differentiated theoretical approaches: (1) theories for forecasting, (2) theories for representing futures, (3) theories for pursuing desired futures, (4) theories for making sense of anticipatory processes, and (5) radical epistemological critiques. The analysis is intended to open discussion on theories rather than provide an exhaustive list of the most important theories. Nevertheless, we can conclude that the field has a rich theory base which could be emphasized in futures education and developed further. It is crucial that actors in the futures field are aware of the theories that guide them because influential theories take part in making the future.

Perception, Adoption, and Pattern of Usage of FinTech Services by Bank Customers: Evidences from Hojai District of Assam

2020 ◽  
Vol 6 (1) ◽  
pp. 7-22
Author(s):  
Ankita Das ◽  
Debabrata Das
Keyword(s):  
Baby Boomers ◽  
Financial Institutions ◽  
Generation X ◽  
Financial Services ◽  
Digital Transformation ◽  
Financial Inclusion ◽  
Global Average ◽  
Demographic Profiles ◽  
Generation Z ◽  
The Relationship

With the advent of technology, banking and financial services have widened their scope. India achieved FinTech adoption rate of 87 percent as against the global average of 64 percent mostly contributed by FinTech startups aiming for providing access to financial services even in the remotest areas. Realizing the potential of FinTech to contribute toward financial inclusion and stability, the Governments have taken requisite steps toward digital transformation and promote FinTech ventures. In order to meet the customers’ needs, collaborative moves with FinTech firms have been initiated by financial institutions as well. This article aims to investigate the relationship between different demographic profiles, the adoption of FinTech services, the perception, user pattern, and constraints faced by the bank customers in using FinTech services. The results based on survey of 215 respondents reveal significant association between usage of FinTech services and different demographic profiles. However, the awareness and use of such services is found more among millennials and generation Z as compared with generation X and baby boomers. While the FinTech companies gained the popularity in payment space, it is observed that misconception is an important factor that hinders the growth of technology-based services among respondents.

Bats are still not birds in the digital era: echolocation call variation and why it matters for bat species identification

2018 ◽  
Vol 96 (2) ◽  
pp. 63-78 ◽  
Author(s):  
Danilo Russo ◽  
Leonardo Ancillotto ◽  
Gareth Jones
Keyword(s):  
Adaptive Significance ◽  
Bird Songs ◽  
Echolocation Call ◽  
Comprehensive Overview ◽  
Echolocation Calls ◽  
Digital Era ◽  
Call Classification ◽  
Acoustic Surveys ◽  
And Behavior ◽  
And Control

The recording and analysis of echolocation calls are fundamental methods used to study bat distribution, ecology, and behavior. However, the goal of identifying bats in flight from their echolocation calls is not always possible. Unlike bird songs, bat calls show large variation that often makes identification challenging. The problem has not been fully overcome by modern digital-based hardware and software for bat call recording and analysis. Besides providing fundamental insights into bat physiology, ecology, and behavior, a better understanding of call variation is therefore crucial to best recognize limits and perspectives of call classification. We provide a comprehensive overview of sources of interspecific and intraspecific echolocation call variations, illustrating its adaptive significance and highlighting gaps in knowledge. We remark that further research is needed to better comprehend call variation and control for it more effectively in sound analysis. Despite the state-of-art technology in this field, combining acoustic surveys with capture and roost search, as well as limiting identification to species with distinctive calls, still represent the safest way of conducting bat surveys.

scholarly journals Saving Behavior In Generation Z

SENTRALISASI ◽  
2020 ◽  
Vol 9 (2) ◽  
pp. 87
Author(s):  
Yulianita Rahayu ◽  
Farah Latifah Nurfauziah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Stable State ◽  
Financial Knowledge ◽  
Economic Conditions ◽  
Young Generation ◽  
Simple Linear Regression ◽  
Generation Z ◽  
State Economy ◽  
Saving Behavior

Penelitian ini memfokuskan pada pengetahuan keuangan dan perilaku menabung pada generasi Z di Kota Bandung. Tujuan dari penelitian ini adalah untuk mengetahui tingkat pengetahuan keuangan generasi Z dan menghubungkan pengetahuan keuangan dengan serangkaian informasi terhadap perilaku menabung generasi Z. Penelitian ini menggunakan kuesioner yang dibagikan kepada responden sebanyak 160 orang dan dianalisis melalui validitas, reliabilitas dan regresi linear sederhana.  Hasil penelitian in menunjukkan bahwa pengetahuan keuangan memiliki pengaruh tidak signifikan terhadap perilaku menabung, serta memiliki korelasi yang rendah antara pengetahuan keuangan dan perilaku menabung.In this globalization era, increasing financial literacy, saving awareness, and access to formal financial services are needed to be able to provide benefits for improving welfare and economic conditions. The well-literate young generation will have an influence in creating a more stable state economy. This research focuses on financial knowledge and saving behavior in Generation Z in Bandung. The aimed of this study is to determine the level of financial knowledge of generation Z and relate financial knowledge with a series of information on saving behavior of generation Z. This study used a questionnaire distributed to respondents of 160 people and analyzed through, validation, reliability, and simple linear regression. The results of this study indicate that financial knowledge has no significant effect on saving behavior, and has a low correlation between financial knowledge and saving behavior.

scholarly journals A Study on Consumer Attitude and Behavior towards Purchasing of Green Products

2021 ◽  
Vol 2 (8) ◽  
pp. 640-650
Author(s):  
G. Preetha
Keyword(s):  
Future Generation ◽  
Simple Random Sampling ◽  
Modern World ◽  
Consumer Attitude ◽  
Green Product ◽  
Green Products ◽  
Climate Conditions ◽  
The Future ◽  
And Behavior

The evolving climate conditions have proven to be hazards created by the man-made activities. The global warming is causing panic among the environmentalists to safeguard the environment. The consumerism of the modern world has created significant environmental impact on the Earth. The remains of the consumerism are having vital effect on the other living organisms. The role of the disposal has become mandatory for safeguarding the environment. The change in the consumer attitude and behavior has to be modified for the welfare of the future generation.  The awareness and activities of the consumers have to enhance at quicker pace to safeguard the environment from further damage. This paper engages to study the awareness level of the consumers towards the green product and to study the green buying behavior of the consumers. The study has been conducted at micro level with 120 samples who are being the consumers of green products. The study has adopted simple random sampling for the selection of the sample from the green product users. The various statistical tools used in the study are percentage analysis, chi-square test and analysis of variance. The results of the study reveal that the consumers are having significant awareness about the green products and most effective methods that influences the green products purchases are attractive as well as informative advertisements. The green product holds the future of environment and examines the consuming habits of the existing consumers. The role of green products is crucial in protecting the environment and making the environment sustainable.

scholarly journals Alcohol Expectations of Short-Term, Faculty-Led Trip Leaders: A Survey of Current Practices

2020 ◽  
Vol 32 (2) ◽  
pp. 163-174
Author(s):  
Jeffrey W. Overby
Keyword(s):  
Alcohol Consumption ◽  
Study Abroad ◽  
University Students ◽  
Short Term ◽  
American University ◽  
Current State ◽  
Responsible Consumption ◽  
Growing Body ◽  
Survey Results ◽  
And Behavior

Although a growing body of research examines alcohol consumption among American university students during study abroad, there is little to no research on alcohol-related policies and behavior by faculty leaders during study abroad. This research reports survey results from 66 U.S. colleges and universities on the current state of formal policies for faculty-led trip leaders. The quantitative findings reveal: 1) 93.9% of responding institutions allow trip leaders to consume alcohol during short-term, faculty-led study abroad trips; and 2) even those institutions that discourage faculty consumption with students allow such consumption in certain situations, including group dinners, winery and brewery tours, religious ceremonies, and receptions. The qualitative findings reveal three themes: 1) faculty should exhibit responsible consumption; 2) drinking with students is discouraged but allowed in certain situations; and 3) faculty leaders are never allowed to purchase alcohol for students. The manuscript concludes with a call for additional research on several topics.

Sign in / Sign up

Export Citation Format

Share Document