Muhammad Muammar Zainal Abidin, Cynthia Eka Violita, M. Mustaqim and Achmad Zaki 2026. The Influence of Fintech Payments and Hedonistic Lifestyle on Financial Behavior Through Financial Self-Efficacy as a Mediating Variable on Generation Z in Sidoarjo Regency. International Journal of Economics, Business and Innovation Research. 5, 04 (Jul. 2026), 4409-4428. DOI:https://doi.org/10.63922/ijebir.v5i04.5111.