Akademik Veri Yönetim Sistemi
Maliye Çalışmaları Dergisi, cilt.75, sa.1, ss.1-21, 2026 (Hakemli Dergi)
The study’s purpose is to analyse the influences of nudge strategies linked to public borrowing, tax responsibilities,
social equity, economic welfare, and state budget engagement on the behavioural intentions of Generation Z
undergraduates. The study employs two distinct face-to-face cluster interviews and nine experimental scenarios
to examine how the framing effect, a nudging strategy, influences the public financial decisions of young adults
from various universities. This experimental approach provides valuable insights into behavioural public finance
by integrating psychological and economic principles. According to the findings, the framing effect significantly
influences the behavioural intentions of Generation Z undergraduates. Furthermore, they reveal that effective
nudges can enable these young adults to make more informed decisions about public finance and budgeting. This
study is among the few that systematically performs an experimental design to examine the effects of various
nudging approaches on Generation Z’s public finance and budgeting decisions. It also offers practical implications
for policymakers, educators, and financial institutions, which aim to enhance budget awareness and literacy and
encourage responsible financial behaviour of Generation Z.