| dc.description.abstract | This research aims to investigate the relationship between sociodemographic factors, encompassing age,
gender, and access to the internet among Generation Z in Surabaya, utilizing the convergence theory
framework. Convergence theory posits that both heredity and environmental factors can affect human
development. There are 441 respondents employed as the sample of this research. We use multiple
regression linear analysis to examine the hypothesis. The finding reveals that age and gender positively
affect financial literacy, whereas access to the internet does not directly affect financial literacy. Instead,
it exerts an indirect effect through financial interest. Various robustness tests were conducted, and the
results remained consistent. | en_US |
