Purpose: This study aims to examine the influence of financial literacy, financial experience, and financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation. Research Methodology: A quantitative approach was applied using purposive sampling of 200 active e-commerce users aged 29–44 years with prior FinTech experience. Data were collected through online questionnaires and analyzed using the WarpPLS structural equation modeling. Validity, reliability, and hypothesis testing were conducted using SmartPLS 3.0. Results: The findings show that financial literacy, financial experience, and financial self-efficacy each have a significant positive effect on consumption behavior. Financial self-efficacy had the strongest direct effect. Mediation testing revealed that FinTech significantly mediated the relationship between financial self-efficacy and consumption behavior, but did not significantly mediate financial literacy or financial experience. The model explains 77% of the variance in consumption behavior and 72% through fintech mediation. Conclusions: Millennials’ financial behavior is mainly driven by self-efficacy, with fintech enhancing this effect, while its role in mediating financial literacy and experience remains limited. Limitations: The study is restricted to millennials in Indonesia and e-commerce contexts, with cross-sectional data that limit causal inference Contribution: This study highlights financial self-efficacy as the main driver of responsible consumption in the fintech era and provides insights into designing programs that combine literacy, experience, and confidence building.

Purpose: This study aims to examine the determinants of employee productivity at the Regional Planning and Development Agency (Bappeda) in Mimika Regency. Specifically, it investigates (1) the relationship between salary and employee productivity, (2) the relationship between work relationships and employee productivity, (3) the effect of the work environment on productivity, and (4) the impact of promotion on productivity. Research Methodology: A quantitative method using SEM-PLS correlational analysis was applied. Data were obtained via a Likert-scale questionnaire. The study conducted validity, reliability, and hypothesis testing to assess relationship strength and significance among variables, ensuring robust measurement and accurate evaluation of the proposed research model. Results: The study found salary (X?) negatively influenced productivity, indicating the need to reassess compensation. Work relationships (X?) and environment (X?) positively affected productivity, highlighting collaboration and supportive conditions. Promotion (X?) showed no significant effect, suggesting weaknesses in promotion mechanisms requiring attention to improve organizational motivation and employee outcome. Conclusions: Employee productivity is more strongly influenced by relational and environmental factors than salary and promotion. Therefore, organizational improvements should focus on fostering positive relationships and enhancing the physical and psychological work environments. Limitations: This study was limited to a single regional agency, which may have affected the generalizability of the findings. Additionally, the cross-sectional design does not capture the long-term dynamics. Contribution: This study contributes to the public sector human resource management literature by highlighting the relative importance of workplace relationships and conditions over financial and promotional factors in improving employee productivity.