{"id":"https://openalex.org/W7204120571","doi":"https://doi.org/10.38043/jimb.v10i2.7037","title":"Generation Y Employees Saving Behaviour: Finance Technology-enabled Services in South Sulawesi, Indonesia","display_name":"Generation Y Employees Saving Behaviour: Finance Technology-enabled Services in South Sulawesi, Indonesia","publication_year":2025,"publication_date":"2025-12-16","ids":{"openalex":"https://openalex.org/W7204120571","doi":"https://doi.org/10.38043/jimb.v10i2.7037"},"language":"en","primary_location":{"id":"doi:10.38043/jimb.v10i2.7037","doi":"https://doi.org/10.38043/jimb.v10i2.7037","is_oa":true,"landing_page_url":"https://doi.org/10.38043/jimb.v10i2.7037","pdf_url":"https://journal.undiknas.ac.id/index.php/manajemen/article/download/7037/1914","source":{"id":"https://openalex.org/S4210226070","display_name":"Jurnal Ilmiah Manajemen dan Bisnis","issn_l":"2528-1208","issn":["2528-1208","2528-2077"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4404669091","host_organization_name":"University of National Education","host_organization_lineage":["https://openalex.org/P4404669091"],"host_organization_lineage_names":["University of National Education"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Ilmiah Manajemen dan Bisnis","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.undiknas.ac.id/index.php/manajemen/article/download/7037/1914","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5046721718","display_name":"Rohani Rohani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405258185","display_name":"Sekolah TInggi Ilmu Ekonomi YPUP Makassar","ror":"https://ror.org/008jrea29","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405258185"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Rohani Rohani","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi YPUP Makassar"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi YPUP Makassar","institution_ids":["https://openalex.org/I4405258185"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5076538671","display_name":"Sri Wahyuni HS","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405258185","display_name":"Sekolah TInggi Ilmu Ekonomi YPUP Makassar","ror":"https://ror.org/008jrea29","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405258185"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Sri Wahyuni HS","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi YPUP Makassar"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi YPUP Makassar","institution_ids":["https://openalex.org/I4405258185"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5107629484","display_name":"Asriyana Asriyana","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405258185","display_name":"Sekolah TInggi Ilmu Ekonomi YPUP Makassar","ror":"https://ror.org/008jrea29","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405258185"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Asriyana Asriyana","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi YPUP Makassar"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi YPUP Makassar","institution_ids":["https://openalex.org/I4405258185"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5070014896","display_name":"Muh. Indra Fauzi Ilyas","orcid":"https://orcid.org/0000-0001-6954-9390","observed_orcids":["https://orcid.org/0000-0001-6954-9390"]},"institutions":[{"id":"https://openalex.org/I4405258185","display_name":"Sekolah TInggi Ilmu Ekonomi YPUP Makassar","ror":"https://ror.org/008jrea29","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405258185"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Muh. Indra Fauzi Ilyas","raw_affiliation_strings":["Sekolah Tinggi Ilmu Ekonomi YPUP Makassar"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sekolah Tinggi Ilmu Ekonomi YPUP Makassar","institution_ids":["https://openalex.org/I4405258185"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4405258185"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"10","issue":"2","first_page":"132","last_page":"142"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9672999978065491,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9672999978065491,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.028300000354647636,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0019000000320374966,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/saving-behavior","display_name":"saving behavior","score":0.9900000095367432},{"id":"https://openalex.org/keywords/millennials","display_name":"millennials","score":0.6740000247955322},{"id":"https://openalex.org/keywords/generation-y-employees","display_name":"Generation Y employees","score":0.8920000195503235},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9779999852180481},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.7710000276565552},{"id":"https://openalex.org/keywords/theory-of-planned-behavior","display_name":"theory of planned behavior","score":0.8550000190734863},{"id":"https://openalex.org/keywords/technology-acceptance-model","display_name":"technology acceptance model","score":0.9990000128746033},{"id":"https://openalex.org/keywords/south-sulawesi","display_name":"South Sulawesi","score":0.9319999814033508}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.7821000218391418},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6448000073432922},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.6439999938011169},{"id":"https://openalex.org/C90673727","wikidata":"https://www.wikidata.org/wiki/Q901718","display_name":"Product (mathematics)","level":2,"score":0.595300018787384},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5587999820709229},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.5483999848365784},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.5128999948501587},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.43130001425743103},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.3806000053882599},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.3790000081062317},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.3736000061035156},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.34619998931884766},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.3443000018596649},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3353999853134155},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.33219999074935913},{"id":"https://openalex.org/C2779601481","wikidata":"https://www.wikidata.org/wiki/Q650241","display_name":"Financial institution","level":2,"score":0.3296999931335449},{"id":"https://openalex.org/C133462117","wikidata":"https://www.wikidata.org/wiki/Q4929239","display_name":"Data collection","level":2,"score":0.3292999863624573},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.32899999618530273},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3287000060081482},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.3100000023841858},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.30809998512268066},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.3077999949455261},{"id":"https://openalex.org/C75434695","wikidata":"https://www.wikidata.org/wiki/Q7247768","display_name":"Product innovation","level":2,"score":0.3003000020980835},{"id":"https://openalex.org/C108578832","wikidata":"https://www.wikidata.org/wiki/Q7621835","display_name":"Strategic financial management","level":3,"score":0.2946999967098236},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.28630000352859497},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.28040000796318054},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2777999937534332},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.2757999897003174},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.2750999927520752},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.2718999981880188},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.271699994802475},{"id":"https://openalex.org/C19351080","wikidata":"https://www.wikidata.org/wiki/Q1395034","display_name":"New product development","level":2,"score":0.2558000087738037},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.2502000033855438}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.38043/jimb.v10i2.7037","doi":"https://doi.org/10.38043/jimb.v10i2.7037","is_oa":true,"landing_page_url":"https://doi.org/10.38043/jimb.v10i2.7037","pdf_url":"https://journal.undiknas.ac.id/index.php/manajemen/article/download/7037/1914","source":{"id":"https://openalex.org/S4210226070","display_name":"Jurnal Ilmiah Manajemen dan Bisnis","issn_l":"2528-1208","issn":["2528-1208","2528-2077"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4404669091","host_organization_name":"University of National Education","host_organization_lineage":["https://openalex.org/P4404669091"],"host_organization_lineage_names":["University of National Education"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Ilmiah Manajemen dan Bisnis","raw_type":"journal-article"},{"id":"pmh:oai:journal.undiknas.ac.id:article/7037","doi":null,"is_oa":true,"landing_page_url":"https://journal.undiknas.ac.id/index.php/manajemen/article/view/7037","pdf_url":null,"source":{"id":"https://openalex.org/S4210226070","display_name":"Jurnal Ilmiah Manajemen dan Bisnis","issn_l":"2528-1208","issn":["2528-1208","2528-2077"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4404669091","host_organization_name":"University of National Education","host_organization_lineage":["https://openalex.org/P4404669091"],"host_organization_lineage_names":["University of National Education"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.38043/jimb.v10i2","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:doaj.org/article:f5600f6eff374f31903d238d3080316e","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/f5600f6eff374f31903d238d3080316e","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jurnal Ilmiah Manajemen dan Bisnis, Vol 10, Iss 2, Pp 132-142 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.38043/jimb.v10i2.7037","doi":"https://doi.org/10.38043/jimb.v10i2.7037","is_oa":true,"landing_page_url":"https://doi.org/10.38043/jimb.v10i2.7037","pdf_url":"https://journal.undiknas.ac.id/index.php/manajemen/article/download/7037/1914","source":{"id":"https://openalex.org/S4210226070","display_name":"Jurnal Ilmiah Manajemen dan Bisnis","issn_l":"2528-1208","issn":["2528-1208","2528-2077"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4404669091","host_organization_name":"University of National Education","host_organization_lineage":["https://openalex.org/P4404669091"],"host_organization_lineage_names":["University of National Education"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Ilmiah Manajemen dan Bisnis","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.9211000204086304,"display_name":"Decent work and economic growth"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204120571.pdf","grobid_xml":"https://content.openalex.org/works/W7204120571.grobid-xml"},"referenced_works_count":56,"referenced_works":["https://openalex.org/W1515500721","https://openalex.org/W2620958668","https://openalex.org/W2898132881","https://openalex.org/W2898679842","https://openalex.org/W2931857867","https://openalex.org/W2946400004","https://openalex.org/W2964004635","https://openalex.org/W2973437973","https://openalex.org/W2980481089","https://openalex.org/W3026029710","https://openalex.org/W3048243903","https://openalex.org/W3081599431","https://openalex.org/W3082705495","https://openalex.org/W3103938163","https://openalex.org/W3118456647","https://openalex.org/W3159066243","https://openalex.org/W3193738727","https://openalex.org/W3216073284","https://openalex.org/W4205439994","https://openalex.org/W4205674097","https://openalex.org/W4220980522","https://openalex.org/W4224313050","https://openalex.org/W4283735962","https://openalex.org/W4285381864","https://openalex.org/W4286209194","https://openalex.org/W4293747906","https://openalex.org/W4293769875","https://openalex.org/W4296102028","https://openalex.org/W4309042668","https://openalex.org/W4316174818","https://openalex.org/W4316467129","https://openalex.org/W4318257509","https://openalex.org/W4319789084","https://openalex.org/W4320926931","https://openalex.org/W4377103817","https://openalex.org/W4382807189","https://openalex.org/W4386245084","https://openalex.org/W4387406193","https://openalex.org/W4387678249","https://openalex.org/W4387837106","https://openalex.org/W4388490162","https://openalex.org/W4388803501","https://openalex.org/W4390170067","https://openalex.org/W4390269632","https://openalex.org/W4391025665","https://openalex.org/W4391515719","https://openalex.org/W4391955944","https://openalex.org/W4392552595","https://openalex.org/W4393931245","https://openalex.org/W4395481801","https://openalex.org/W4399094696","https://openalex.org/W4400990485","https://openalex.org/W4404128270","https://openalex.org/W4405873574","https://openalex.org/W4405989912","https://openalex.org/W4409784942"],"related_works":["https://openalex.org/W7147678158","https://openalex.org/W4313550295","https://openalex.org/W4416927985","https://openalex.org/W6989321519","https://openalex.org/W4210614911","https://openalex.org/W4415546742","https://openalex.org/W7219304013","https://openalex.org/W4399704852","https://openalex.org/W4322501989","https://openalex.org/W4410327800"],"abstract_inverted_index":{"This":[0],"study":[1,172],"was":[2,31,71,78],"motivated":[3],"by":[4,45,175],"the":[5,15,34,47,74,86,165,177,184,201,227],"low":[6],"level":[7],"of":[8,28,36,49,179],"saving":[9,37,119,150,169,224],"behavior":[10,38,192,225],"among":[11,39,193],"millennial":[12,40],"workers":[13],"in":[14,42,85,195,226],"formal":[16,87],"sector,":[17],"despite":[18],"their":[19],"broad":[20],"access":[21],"to":[22,32,189,210],"digital":[23,217,228],"financial":[24,50,52,57,109,111,115,138,141,158,191,206,213,218],"services.":[25],"The":[26,121,133,171],"purpose":[27],"this":[29],"research":[30],"analyze":[33],"determinants":[35],"employees":[41],"South":[43],"Sulawesi":[44],"emphasizing":[46],"roles":[48],"literacy,":[51,110],"product":[53,112,142,162],"knowledge,":[54,113],"and":[55,73,94,118,140,146,183,208,216],"technology-enabled":[56,114,157],"services":[58,116,159],"innovation":[59],"as":[60],"a":[61,68,101,196],"mediating":[62],"variable.":[63],"A":[64],"quantitative":[65],"approach":[66],"with":[67,130],"survey":[69],"method":[70],"employed,":[72],"sampling":[75],"technique":[76],"used":[77],"purposive":[79],"sampling,":[80],"involving":[81],"316":[82],"respondents":[83],"working":[84],"sector":[88],"across":[89],"Makassar":[90],"City,":[91],"Gowa":[92],"Regency,":[93],"Maros":[95],"Regency.":[96],"Data":[97],"were":[98,123],"collected":[99],"through":[100,156],"five-point":[102],"Likert-scale":[103],"questionnaire":[104],"measuring":[105],"four":[106],"key":[107],"constructs:":[108],"innovation,":[117],"behavior.":[120,170],"data":[122],"analyzed":[124],"using":[125],"Structural":[126],"Equation":[127],"Modeling":[128],"(SEM)":[129],"AMOS":[131],"software.":[132],"results":[134],"indicated":[135],"that":[136,220],"both":[137],"literacy":[139,214],"knowledge":[143,163],"had":[144],"positive":[145],"significant":[147],"effects":[148],"on":[149,168],"behavior,":[151],"either":[152],"directly":[153],"or":[154],"indirectly":[155],"innovation.":[160],"Financial":[161],"exerted":[164],"strongest":[166],"influence":[167],"contributed":[173],"theoretically":[174],"integrating":[176],"Theory":[178],"Planned":[180],"Behavior":[181],"(TPB)":[182],"Technology":[185],"Acceptance":[186],"Model":[187],"(TAM)":[188],"explain":[190],"millennials":[194],"developing":[197],"country":[198],"context.":[199],"Practically,":[200],"findings":[202],"provided":[203],"insights":[204],"for":[205],"institutions":[207],"policymakers":[209],"design":[211],"integrated":[212],"programs":[215],"innovations":[219],"effectively":[221],"promote":[222],"sustainable":[223],"economy":[229],"era.":[230]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-08-25T00:00:00"}
