FACTORS INFLUENCING GENERATION Z CONSUMPTION BEHAVIOR IN ONLINE SHOPPING IN JAYAPURA CITY PAPUA PROVINCE
Excessive consumption, without using a priority scale or prioritizing desires and pleasures over needs, occurs suddenly or without planning. This is known as consumer behavior. By conducting research on native Papuan students at State Universities in Jayapura City, this research aims to study the influence of financial literacy, digital payments and financial technology on the behavior of Generation Z consumers in Jayapura City in shopping online. This research uses primary data from respondents who meet the research criteria. Non-probability and total sampling were used. This research is quantitative and uses multiple linear regression analysis to analyze the data. From the results of this research, Generation z, Indigenous Papuan students at Jayapura City State Universities are expected not to get used to the YOLO (You Only Live Once) and FOMO (Fear of Missing Out) mindset so as not to fall into excessive consumerist behavior which can endanger welfare. finances in the future. Likewise, Generation z, Papuan students at Jayapura City State Universities are also expected to be wiser by having self-control in using digital payment financial technology (fintech digital payment) so that they are not easily tempted by the ease of transactions that would otherwise be carried out. controlled can encourage someone to behave consumptive.
Financial Literacy, Fintech Digital Payment, Finance, Consumer Behavior, Generation Z, Papua Province.