FINANCIAL TECHNOLOGY ON ENTREPRENEURIAL INTENTIONS OF GEN Z STUDENTS

Abstract

This research focuses on the influence of financial technology (fintech) on the entrepreneurial intentions of Generation Z students, who are the group most adaptive to digital innovation. The main objective of this research is to analyze the influence of attitudes towards entrepreneurship and perceived behavioral control, as well as the role of fintech as a mediator in increasing entrepreneurial intentions. The method used was a quantitative survey of 100 students who had taken part in an entrepreneurship seminar. Data were analyzed using the Structural Equation Modeling (SEM) method with the help of Smart PLS 3 software to test the relationship between variables. The research results show that attitudes and perceived behavioral control have a significant effect on entrepreneurial intentions. In addition, fintech is proven to mediate this relationship, where the use of fintech helps students access financial resources more easily, thereby increasing their readiness to start a business. The novelty of this research lies in the integration of fintech as a mediating factor in the Theory of Planned Behavior (TPB) model, expanding insight into how technology can strengthen entrepreneurial intentions among Generation Z students. This research provides an important contribution in developing understanding of the role of fintech in digital entrepreneurship, as well as offering recommendations for educational institutions and governments in supporting entrepreneurship through financial technology.