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DOI :10.26650/siyasal.2025.34.1598733 IUP :10.26650/siyasal.2025.34.1598733 Tam Metin (PDF)

Generation Z and Financial Behavior: The Role of Financial Literacy

Ece Kozol, Yasin Afşin, Başak Turan İçke

In today’s digitally-driven economy, young individuals are increasingly engaging in financial activities at an early age; however, many lack the essential financial literacy needed to navigate these activities effectively. Financial literacy encompasses both the knowledge and skills required for proficient financial management, which are crucial for making informed decisions and avoiding common financial pitfalls. This study explores the factors influencing the relationship between financial literacy, financial behavior, f inancial well-being, financial fragility, and future concerns, based on a survey conducted among a random sample of students in Türkiye. The findings reveal that young adult males demonstrate higher levels of f inancial literacy than their female counterparts, highlighting the need for targeted educational programs to address this gender disparity. Furthermore, this study underscores the prevalence of financial stress among young adults, emphasizing the importance of incorporating financial education into everyday practices. The analysis also indicates that dimensions of financial vulnerability are predictive of financial outcomes, with financially literate students better equipped to handle unexpected financial shocks. Consequently, financial literacy emerges as a crucial determinant of students’ financial well-being.

Anahtar Kelimeler: Financial literacy, Financial behavior, Financial fragility, Financial well-being

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APA

Kozol, E., Afşin, Y., & Turan İçke, B. (2019). Generation Z and Financial Behavior: The Role of Financial Literacy. Siyasal: Journal of Political Sciences, 0(0), -. https://doi.org/10.26650/siyasal.2025.34.1598733

AMA

Kozol E, Afşin Y, Turan İçke B. Generation Z and Financial Behavior: The Role of Financial Literacy. Siyasal: Journal of Political Sciences. 2019;0(0):-. https://doi.org/10.26650/siyasal.2025.34.1598733

ABNT

Kozol, E.; Afşin, Y.; Turan İçke, B. Generation Z and Financial Behavior: The Role of Financial Literacy. Siyasal: Journal of Political Sciences, [Publisher Location], v. 0, n. 0, p. -, 2019.

Chicago: Author-Date Style

Kozol, Ece, and Yasin Afşin and Başak Turan İçke. 2019. “Generation Z and Financial Behavior: The Role of Financial Literacy.” Siyasal: Journal of Political Sciences 0, no. 0: -. https://doi.org/10.26650/siyasal.2025.34.1598733

Chicago: Humanities Style

Kozol, Ece, and Yasin Afşin and Başak Turan İçke. “Generation Z and Financial Behavior: The Role of Financial Literacy.” Siyasal: Journal of Political Sciences 0, no. 0 (Aug. 2025): -. https://doi.org/10.26650/siyasal.2025.34.1598733

Harvard: Australian Style

Kozol, E & Afşin, Y & Turan İçke, B 2019, 'Generation Z and Financial Behavior: The Role of Financial Literacy', Siyasal: Journal of Political Sciences, vol. 0, no. 0, pp. -, viewed 13 Aug. 2025, https://doi.org/10.26650/siyasal.2025.34.1598733

Harvard: Author-Date Style

Kozol, E. and Afşin, Y. and Turan İçke, B. (2019) ‘Generation Z and Financial Behavior: The Role of Financial Literacy’, Siyasal: Journal of Political Sciences, 0(0), pp. -. https://doi.org/10.26650/siyasal.2025.34.1598733 (13 Aug. 2025).

MLA

Kozol, Ece, and Yasin Afşin and Başak Turan İçke. “Generation Z and Financial Behavior: The Role of Financial Literacy.” Siyasal: Journal of Political Sciences, vol. 0, no. 0, 2019, pp. -. [Database Container], https://doi.org/10.26650/siyasal.2025.34.1598733

Vancouver

Kozol E, Afşin Y, Turan İçke B. Generation Z and Financial Behavior: The Role of Financial Literacy. Siyasal: Journal of Political Sciences [Internet]. 13 Aug. 2025 [cited 13 Aug. 2025];0(0):-. Available from: https://doi.org/10.26650/siyasal.2025.34.1598733 doi: 10.26650/siyasal.2025.34.1598733

ISNAD

Kozol, Ece - Afşin, Yasin - Turan İçke, Başak. “Generation Z and Financial Behavior: The Role of Financial Literacy”. Siyasal: Journal of Political Sciences 0/0 (Aug. 2025): -. https://doi.org/10.26650/siyasal.2025.34.1598733

ZAMAN ÇİZELGESİ

Gönderim	09.12.2024
Kabul	24.04.2025
Çevrimiçi Yayınlanma	21.07.2025

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