Liana Vivin Wihartanti, Hari Wahyono, Ery Tri Djatmika, Hadi Sumarsono
This study investigates the economic behavior of Generation Z (Gen Z) in the context of smart city implementation through a Systematic Literature Review (SLR) based on PRISMA 2020 guidelines. From a total of 142 publications spanning 2021 to 2025, 42 high-quality articles were selected based on stringent inclusion criteria. The synthesis of these articles identified four central themes: (1) the predominance of digital consumption and contactless payment methods, (2) sustainability orientation that promotes green mobility and renewable energy, (3) Gen Z's role as co-creators of urban services via digital platforms, and (4) the critical importance of data protection policies, digital literacy, and collaboration between the government and private sectors. Drawing on the review, the findings reveal that, first, the digital-first consumption pattern is evidenced by preferences for cashless transactions, electronic wallets, and contactless payments. The primary factors influencing the adoption of financial services in both developed and developing regions are convenience, speed, and security of the services. Second, sustainability values have been shown to impact consumption decisions. Generation Z consistently demonstrates an interest in green mobility, renewable energy, and eco-friendly products. Policies such as carbon tax incentives and electric vehicle subsidies have been identified as reinforcing this trend in the literature. Third, Generation Z assumes the role of not only consumers but also participatory actors in city governance. Ultimately, for smart cities to reach their full potential, policymakers and private stakeholders must align their strategies with the digital-native character of Gen Z, ensuring that urban innovations are as ethically sound and inclusive as they are technologically sophisticated. This study provides the necessary framework for understanding this shift, offering a strategic roadmap for building resilient, future-ready urban environments that resonate with the values of the next generation. © 2026, Malque Publishing. All rights reserved.
Department of Economic and Business, Universitas Negeri Malang, East Java, Malang, Indonesia
