Purpose: The article examines innovative indicators of industrial growth reserves. Activation of innovative factors is the most difficult, but the most promising way to increase industrial production. Method: The paper examines the factors of influence of nanoinvestment activities on increasing the efficiency of economic indicators of enterprises of the automotive industry and the classification of investments, methods of assessment in the study of existing problems in the national automotive industry market, as well as methods of analysis based on the presented approaches. Results: The analysis made it possible to identify significant reserves in increasing the level of capacity utilization, increasing labor productivity, modernizing fixed assets, as well as diversifying and increasing the competitiveness of industry.

Purpose: This study aimed to analyze the influence of financial literacy and lifestyle on financial well-being among Generation Z (Gen-Z), with locus of control as a mediating variable. In this study, locus of control refers to an individual's belief in internal and external influences in making decisions or taking actions, which is expected to mediate the relationship between financial literacy, lifestyle, and financial well-being. Research methodology: The data used in this study were collected through a survey of students, teachers, and staff members of Gen-Z at Tri Ratna School-Jakarta, aged between 16 and 27 years. The analysis was conducted using Partial Least Structural Equation Model (PLS-SEM) analysis to test the relationships between variables. Results: The findings of this study are expected to provide insights into the importance of financial literacy and the influence of lifestyle in shaping the financial well-being of Gen-Z as well as the role of locus of control in strengthening or weakening these influences. The findings are expected to serve as a reference for financial education and the development of more effective policies to improve the financial well-being of younger generations in Indonesia, particularly Tri Ratna School-Jakarta.

Purpose: This study aims to examine the Influence of Financial Literacy, Financial Experience, Financial Self Efficacy on Consumption Behavior with Financial Technology as a Mediating Variable in the Millennial Generation. Research Methodology: The population determined in this study are all individuals who are active e-commerce users who are accustomed to online transactions. The sample will be taken using a purposive sampling technique. In this study, data collection was carried out by means of a survey through the distribution of questionnaire surveys (questionnaires) distributed to respondents to be filled in. The data analysis technique in this study uses the Warp PLS (Partial Least Square) structural equation model. Hypothesis testing is used to explain the direction of the relationship between independent variables and dependent variables. SmartPLS 3.0 program. Results: Based on the results of the Effect Size (F-Square) test, the results of the study obtained on Financial Literacy (X1) on Consumption Behavior (Y) obtained a value of 0.171, so that these results can identify that it has a Medium influence, because the value is greater than 0.15. Financial Experience (X2) on Consumption Behavior (Y) obtained a value of 0.191, so with these results it can be identified as having a Medium influence, because its value is greater than 0.15. Financial Experience (X2) mediated by Financial Technology (Z) obtained a value of 0.208, so with these results it can be identified as having a Medium influence, because its value is greater than 0.15. Financial Self Efficacy (X3) on Consumption Behavior (Y) obtained a value of 0.373, so with these results it can be identified as having a Large influence, because its value is greater than 0.35. Financial Self Efficacy (X3) mediated by Financial Technology (Z) obtained a value of 0.496, so with these results it can be identified as having a Large influence, because its value is greater than 0.35. Financial Technology (Z) which mediates Consumption Behavior (Y) obtained a value of 0.244, so with these results it can be identified as having a Medium influence, because its value is greater than 0.15.