Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, kemudahan PayLater, dan gaya hidup terhadap perilaku pengelolaan keuangan dengan sikap keuangan sebagai variabel mediasi pada Generasi Z pengguna Shopee PayLater di Kabupaten Kuningan. Metode penelitian yang digunakan adalah metode survei explanatory dengan pendekatan kuantitatif. Sampel penelitian berjumlah 115 responden yang ditentukan menggunakan teknik non-probability sampling melalui metode purposive sampling. Pengolahan data dilakukan menggunakan aplikasi SmartPLS versi 4 melalui uji evaluasi model pengukuran (outer model), evaluasi model struktural (inner model), dan uji hipotesis. Hasil penelitian menunjukkan bahwa: (1) literasi keuangan berpengaruh positif dan signifikan terhadap sikap keuangan; (2) kemudahan paylater berpengaruh negatif dan signifikan terhadap sikap keuangan; (3) gaya hidup berpengaruh positif dan signifikan terhadap sikap keuangan; (4) sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan ; (5) literasi keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan; (6) kemudahan paylater berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan; (7) gaya hidup berpengaruh negatif dan signifikan terhadap perilaku pengelolaan keuangan; (8) sikap keuangan mampu memediasi pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan; (9) sikap keuangan mampu memediasi pengaruh kemudahan PayLater terhadap perilaku pengelolaan keuangan; dan (10) sikap keuangan mampu memediasi pengaruh gaya hidup terhadap perilaku pengelolaan keuangan.

This study aimed to analyze the effects of financial literacy, paylater ease of use, and lifestyle on financial management behavior, with financial attitude serving as a mediating variable among Generation Z Shopee PayLater users in Kuningan Regency. This research employed an explanatory survey method with a quantitative approach. The sample consisted of 115 respondents selected using a non-probability sampling technique through purposive sampling. Data were analyzed using SmartPLS version 4 through measurement model evaluation (outer model), structural model evaluation (inner model), and hypothesis testing. The results indicate that: (1) financial literacy had a positive and significant effect on financial attitude; (2) paylater ease of use had a negative and significant effect on financial attitude; (3) lifestyle had a positive and significant effect on financial attitude; (4) financial attitude had a positive and significant effect on financial management behavior; (5) financial literacy had a positive and significant effect on financial management behavior; (6) paylater ease of use had a positive and significant effect on financial management behavior; (7) lifestyle had a negative and significant effect on financial management behavior; (8) financial attitude mediated the effect of financial literacy on financial management behavior; (9) financial attitude mediated the effect of paylater ease of use on financial management behavior; and (10) financial attitude mediated the effect of lifestyle on financial management behavior.