Wirausaha Muda di Era Digital: Peran Literasi Keuangan Digital dalam Membentuk Perilaku Finansial Gen Z

Abstract

The development of digital technology has transformed the way young generations access, manage, and make financial decisions. Amid the rapid growth of technology-based financial innovations, digital financial literacy has become a fundamental skill for young entrepreneurs, particularly Generation Z. This paper aims to examine the role of digital financial literacy in shaping financial behavior and encouraging entrepreneurial readiness among Indonesian youth. The method used is a literature review by analyzing 11 national and international journals, as well as secondary data from OJK (Financial Services Authority), BPS (Statistics Indonesia), and Bank Indonesia. The findings indicate that digital financial literacy significantly influences financial decision-making, mitigates consumptive risks, and supports the management of tech-based business capital. Furthermore, Generation Z with a high level of understanding of the digital financial ecosystem tends to be more prepared to seize technology-driven business opportunities. Therefore, improving digital financial literacy should be prioritized.