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This study aims to analyze the influence of Financial Literacy, the use of Digital Payments, Lifestyle, and Pocket Money on the Consumptive Behavior of Generation Z. The research subjects were students of the Faculty of Economics and Business, Budi Luhur University. This study uses a quantitative approach with a survey method through the distribution of online questionnaires. The population in this study consisted of 1,017 active students of the Faculty of Economics and Business, Budi Luhur University, from the 2022-2025 batch, with a sample size of 100 respondents determined using the Slovin formula and non-probability sampling technique with purposive sampling method. The data obtained were analyzed using SPSS version 25 with multiple linear regression analysis, classical assumption testing, model feasibility testing (F test), t test, and coefficient of determination (R²). The results showed that financial literacy, lifestyle, and pocket money significantly influenced students' consumptive behavior. Meanwhile, the use of Digital Payment does not significantly affect students' Consumptive Behavior. In addition, the results of the model feasibility test (F test) show that Financial Literacy, the use of Digital Payment, Lifestyle, and Pocket Money together significantly affect Consumptive Behavior, so that the regression model is declared feasible for use.

This study aims to examine the effect of digital literacy on entrepreneurial decisions among students of Universitas Negeri Jakarta participating in the 2023 Student Entrepreneurial Program (PMW), with self-efficacy as a mediating variable. A quantitative approach was employed using a survey method. A total of 136 respondents were selected from 206 students in the TOP 50 PMW business teams through purposive sampling. Data were collected using a questionnaire and analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4.0 software. The results show; (1) that digital literacy has a positive and significant effect on self-efficacy; (2) digital literacy has a positive and significant effect on entrepreneurial decisions; (3) self-efficacy has a positive and significant effect on entrepreneurial decisions; (4) and digital literacy indirectly affects entrepreneurial decisions through self-efficacy. These findings highlight the crucial role of self-efficacy in strengthening the influence of digital literacy on entrepreneurial decisions. Therefore, it is essential for higher education institutions to foster students' digital literacy and confidence to support entrepreneurial development in the digital era.

This research aims to determine the influence of Investment Knowledge and Financial Literacy on Investment Interest in the Capital Market with the Development of Digital Technology as a Moderating Variable. The population of this study is students of the Faculty of Economics and Business, Universitas Putra Indonesia "YPTK" Padang. The sampling technique used is Simple Random Sampling with a sample of 100 students. Data collection techniques used a questionnaire and analyzed the data using Multiple Regression Analysis through the SPSS 25 application program. The results of the study indicate that Investment Knowledge and Financial Literacy have a significant effect on Investment Interest in the Capital Market with the Development of Digital Technology moderating the relationship between Investment Knowledge, Financial Literacy, and Investment Interest in the Capital Market. The Contribution of Investment Knowledge and Financial Literacy is 52.8%, and the Contribution of Investment Knowledge, Financial Literacy, and Development of Digital Technology is 54.3%.