Fitriany, Anastasia (2025) The Influence of FoMO, YOLO, and Ease of Access to Digital Media on the High Interest in Using Islamic Online Financing in Generation Z in East Java. S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

Generation Z in Indonesia, including in East Java, has a close attachment to digital technology. They are often affected by psychological phenomena such as FoMO (Fear of Missing Out), YOLO (You Only Live Once) which encourages consumptive patterns and implicit financial decisions. In the midst of the development of sharia-based online loan services, Generation Z is an important segment to research because of their adaptive characteristics to technological innovations. The Ease of Access to Digital Media enables Sharia-compliant financial services to become more inclusive. However, research on the influence of psychological factors such as FoMO and YOLO, as well as the ease of access to digital media on Generation Z's interest in using these services is still limited. This study aims to analyze the influence of FoMO, YOLO, and the Ease of Access to Digital Media on Generation Z’s interest in utilizing Islamic Online Financing. The research employs a quantitative approach using the Structural Equation Modeling�Partial Least Squares (SEM-PLS) method. The results indicate that the YOLO variable significantly affects Generation Z’s interest in using Islamic Online Financing. Conversely, the FoMO and the Ease of Access to Digital Media variables show no significant impact. The finding suggests that Generation Z’s financial decisions are more influenced by the YOLO mindset-desiring to seize life’s opportunities to the fullest-rather than by FoMO or mere technological convenience. From a theoretical perspective, this study contributes insights into Islamic financial behavior in the digital era. Practically, it implies that provides of Islamic Online Financing services should tailor their marketing strategies to highlight YOLO values and develop products relevant to the lifestyle of younger generations. Additionally, regulators are encouraged to enhance financial education to foster prudent financial behavior.

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