The FEAR OF MISSING OUT, LITERASI KEUANGAN, DAN DIGITAL FINANCIAL BEHAVIOR GENERASI Z

Indah Agnia Amalia Putri; Salsa Rahmaniati; Mega Zhafarina Purwono

doi:10.29062/mahardika.v25i1.1565

Penulis

Indah Agnia Amalia Putri Universitas Kebangsaan Republik Indonesia
Salsa Rahmaniati Universitas Kebangsaan Republik Indonesia
Mega Zhafarina Purwono Universitas Kebangsaan Republik Indonesia

DOI:

https://doi.org/10.29062/mahardika.v25i1.1565

Kata Kunci:

Fear of Missing Out (FOMO), digital financial behavior, fintech, financial literacy, Generation Z

Abstrak

This study aims to analyze the influence of Fear of Missing Out (FOMO) on the digital financial behavior of Generation Z in the use of ShopeePay promotional programs in Bandung City, with financial literacy serving as a moderating variable. The research employed a qualitative approach using the Systematic Literature Review (SLR) method. Data were collected from national and international scientific articles indexed in Scopus, ScienceDirect, Google Scholar, and other reputable databases published between 2024 and 2026. The literature selection process was conducted systematically using the PRISMA approach to obtain articles relevant to the research focus. The findings indicate that FOMO influences digital financial behavior through the emergence of perceived urgency, which encourages impulsive financial decision-making. The real-time, instant, and personalized algorithm-based characteristics of fintech services further strengthen this influence. In addition, financial literacy was found to weaken the effect of FOMO on digital financial behavior, as individuals with higher levels of financial literacy tend to make more rational financial decisions. This study contributes to the development of behavioral finance studies in the fintech context and provides practical implications for digital service providers in designing more effective and sustainable promotional strategies.

Unduhan

Data unduhan belum tersedia.

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