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Abstract

Abstract: A Critical Review of Personal Finance Tracker Technologies among Gen Z


Purpose: The objective of this study is to critically review personal financial tracker technologies among Gen Z.


Method: A multi-method approach, including synchronous and asynchronous with accounting students at the State Polytechnic of Malang.


Result: mental accounting and financial education play a significant role in shaping the intention and practice of using the application.


Novelty: This article critically explores how technology could create financial literacy, practice, and susceptibility for Gen Z.


Contribution: This study adds to behavioural finance and digital sociology by examining Gen Z's financial knowledge and technology.


 


Abstrak: Tinjauan Kritis Teknologi Pelacak Keuangan Pribadi di Kalangan Gen Z


Tujuan: Tujuan penelitian ini untuk reviu kritis personal financial tracker technologies pada Gen Z.


Metode: pendekatan multi method yaitu synchronous and asynchronous pada mahasiswa Akuntansi di Politeknik Negeri Malang.


Hasil: Mental accounting dan edukasi finansial berperan besar dalam membentuk niat dan praktik penggunaan aplikasi.


Kebaruan: Artikel ini secara kritis mengeksplorasi bagaimana teknologi dapat menciptakan literasi keuangan, praktik, dan kerentanan terhadap generasi Z.


Kontribusi: penelitian ini memperluas kajian dalam bidang keuangan perilaku dan sosiologi digital dengan memberikan perspektif tentang relasi antara teknologi dan kesadaran finansial pada Gen Z.


 


 


 

Keywords

Financial Tracker Money Management Personal Finance

Article Details

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Copyright (c) 2025 Diana Nurindrasari, Amelia Indah Kusdewanti, Ima Kristanti, Aisyah Vanadia Rubianto

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