Determinants of Financial Management Behaviour among Generation Z and Millennial Women in Indonesia: A Gender and Generational Perspective

The development of digital technologies, social changes, and rapid economic dynamics has influenced individual financial management behaviour, particularly among Generation Z and Millennial women in Indonesia. The book Determinants of Financial Management Behaviour Among Generation Z and Millennial Women aims to examine the main factors that influence financial management behaviour among these two generations. The discussion focuses on internal and external determinants, such as financial literacy, financial attitudes, self-control, income, lifestyle, social environment influence, and the role of financial technology. Through a conceptual and empirical approach, this book explains how generational characteristics and differences in life stages influence women's financial decision-making. The results of the study show that the level of financial literacy and attitudes towards money play a significant role in shaping responsible financial management behaviour, while the influence of digitalisation and social media are strong differentiating factors between Generation Z and Millennials. This book is expected to contribute to the development of behavioural finance literature, serve as a reference for academics and practitioners, and form the basis for the formulation of more inclusive and gender-oriented financial education policies and programs in Indonesia.