Analisis Faktor-Faktor yang Mempengaruhi Perilaku Keuangan Pemain Game Roblox pada Generasi Z

The financial behavior of Generation Z students who play online games, particularly Roblox, does not yet fully demonstrate effective financial management skills. Challenges such as impulsive spending and difficulty distinguishing between personal needs and digital entertainment are still prevalent and can potentially affect their financial stability. This study aims to analyze the influence of Fear of Missing Out (FOMO), Financial Literacy, and Financial Technology (FinTech) on the financial behavior of Roblox online game players. The study employed a quantitative approach using a survey method with questionnaires administered to 219 respondents selected through purposive and accidental sampling techniques. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that FOMO has a negative and insignificant effect, whereas Financial Literacy and FinTech have positive and significant effects on the financial behavior of Generation Z Roblox players. An R-square value of 0.632 shows the model’s ability to explain factors influencing financial behavior. This study highlights the importance of psychological management and digital literacy in shaping wiser financial behavior among Generation Z students who play online games like Roblox.