Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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Impact of Fear of Missing Out, Self-Control, and Lifestyle on Personal Financial Planning of Generation Z in the Special Region of Jakarta

Authors
Ratri Kurniasari1, *, Sofia Rayhannisa1, Fachri Aditya1
1Business Administration Department, Jakarta State Polytechnic, Depok, 16425, Indonesia
*Corresponding author. Email: ratri.kurniasari@business.pnj.ac.id
Corresponding Author
Ratri Kurniasari
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_21How to use a DOI?
Keywords
Fear of Missing Out Syndrome; Lifestyle; Personal Financial Planning; Self Control; Z Generation
Abstract

This study aims to test and analyze the Fear of Missing Out (FoMO) syndrome, Self Control, and Lifestyle on Personal Financial Planning. The basic theories used in this study are Financial Behavior Theory, Self-Regulation Theory, the Life Cycle Hypothesis of Consumption Theory, and the Theory of Planned Behavior. This study uses a quantitative-associative causal approach and a non-probability/purposive sampling technique, yielding a total of 487 samples. The sample in this study consisted of Z Generation individuals in the Special Region of Jakarta (DKJ) aged 17–28 years, currently studying or working/entrepreneurial, and with a monthly income. Primary data collection was conducted via an online questionnaire (Google Form) in the Regency/City of East Jakarta, West Jakarta, South Jakarta, North Jakarta, Central Jakarta, and the Seribu Islands. The data analysis technique used was Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software version 4.1.1.2. The study found that Fear of Missing Out (FoMO) had a negative, significant effect, while Self Control and Lifestyle had positive, significant effects on Personal Financial Planning.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_21How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Ratri Kurniasari
AU  - Sofia Rayhannisa
AU  - Fachri Aditya
PY  - 2026
DA  - 2026/04/24
TI  - Impact of Fear of Missing Out, Self-Control, and Lifestyle on Personal Financial Planning of Generation Z in the Special Region of Jakarta
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 258
EP  - 266
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_21
DO  - 10.2991/978-94-6239-656-2_21
ID  - Kurniasari2026
ER  -