The Role of Financial Literacy in Improving Financial Inclusion Through The Use of E-Wallets Among Generation Z in Cirebon

Authors

  • Nadia Sylviani Universitas Swadaya Gunung Jati, Cirebon, Indonesia
  • Ario Purdianto Universitas Swadaya Gunung Jati, Cirebon, Indonesia

DOI:

https://doi.org/10.38035/gijtm.v4i1.779

Keywords:

Financial Literacy, Financial Inclusion, E-Wallet, Generation Z in Cirebon

Abstract

This study is motivated by the limited number of studies examining the role of e-wallets as a mediator between financial literacy and financial inclusion, particularly among Generation Z in Indonesia. The purpose of this study is to analyze the influence of financial literacy on improving financial inclusion through the use of e-wallets among Generation Z in the city of Cirebon. This associative quantitative research uses primary data collected through an online questionnaire distributed to 150 Generation Z respondents (aged 15–29 years) in Cirebon who have used e-wallet services. Data analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM) indicates that financial literacy has a positive and significant direct effect on financial inclusion, as well as an indirect effect through increased use of e-wallets. These findings demonstrate that e-wallets function as an effective mediating variable, indicating that strengthening financial literacy can encourage the adoption of digital financial services and ultimately expand financial inclusion among the younger generation.

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Published

2026-04-13

How to Cite

Sylviani, N., & Purdianto, A. (2026). The Role of Financial Literacy in Improving Financial Inclusion Through The Use of E-Wallets Among Generation Z in Cirebon. Greenation International Journal of Tourism and Management, 4(1), 62–74. https://doi.org/10.38035/gijtm.v4i1.779

Issue

Vol. 4 No. 1 (2026): (GIJTM) Greenation International Journal of Tourism and Management (March - May 2026)

Section

Articles

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Copyright (c) 2026 Nadia Sylviani, Ario Purdianto

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