THE MODERATOR EFFECT OF FINANCIAL APPS ON THE RELATIONSHIP BETWEEN FINANCIAL EDUCATION AND FINANCIAL CAPABILITY

This study aims to determine the effect of Socio-Demographic and Financial Education on Financial Capability with Financial Apps as the moderator variable. The research population is Generation Z aged 19-26 years. The research sample amounted to 100 respondents and data collection was donethrough the distribution of questionnaires via google form. The data analysis method used is Partial Least Square (PLS). In the industrial era 4.0, which is growing rapidly at this time, financial applications that are designed to help people manage financeshave begun to appear. Digital financial management applicationsmake people manage personal finances easily and practically. Financial management applicationsencourage people to further upgrade their knowledge about financial management to achieve financial goals in the future. The results showed that gender had a significant effect on financial capability and financial apps played a role in moderating the influence of gender on financial capability.