@thesis{thesis,
		author={Zakka  Christian Adrien Raimy},
		title ={Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Mental Accounting Terhadap Perilaku Keuangan Generasi Milenial di Kota Surabaya},
		year={2024},
		url={http://eprints.perbanas.ac.id/12298/},
		abstract={This research aims to analyze the influence of financial literacy, financial inclusion and mental accounting on financial behavior in the millennial generation in Surabaya. This research uses quantitative research and primary data sources with data collection techniques using questionnaires distributed to 152 respondents. Data analysis uses descriptive and inferential analysis techniques using SEM-PLS. The results of the research show that Financial Literacy (X1) and Financial Inclusion (X2) have a negative and significant effect on the Financial Behavior (Y) of the Millennial Generation in Surabaya, while
Mental Accounting (X3) has a positive and significant effect on the Financial Behavior (Y) of the millennial generation in Surabaya. Surabaya. Based on the results of this research, it is hoped that the millennial generation will be able to maintain and improve financial literacy and good financial inclusion so that their financial behavior will continue to improve well.}
		}