Financial behaviour refers to the manner in which individuals manage their financial resources, including decisions related to saving, spending, investing, borrowing, and financial planning. These behaviours are significantly influenced by socio-economic conditions, technological exposure, cultural environment, income levels, and generational experiences. In recent years, generational financial analysis has gained importance as different age cohorts exhibit distinct money management patterns. Two major contemporary generations — Generation Z (Gen Z) and Millennials (Generation Y) — represent a substantial portion of the workforce and consumer base globally.