Financial behavior encompasses the manner in which individuals manage their financial resources, including aspects of planning, utilization, and the allocation of income toward needs, savings, and investments. This study aims to examine the impact of financial knowledge and financial attitude on financial behavior, with self-efficacy as a mediating variable among Generation Z in Pekanbaru City. The research subjects focus on Generation Z individuals who are already employed or possess a personal income. Data were collected through questionnaires and processed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method via SmartPLS software.The research findings indicate that financial knowledge and financial attitude have a positive and significant influence on both financial behavior and self-efficacy. However, self-efficacy was found to have no significant impact on financial behavior and failed to perform a mediating role within this model. The coefficient of determination (R2) value of 63.3% demonstrates that the financial behavior variable can be explained by financial knowledge, financial attitude, and self-efficacy, while the remaining 36.7% is influenced by other factors beyond the scope of this study