How Tax Literacy Directly Drives Generation Z Taxpayer Compliance in the Modern Digital Economy

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Young workers entering the digital workforce are more likely to comply with tax laws when they understand tax obligations, according to new research published in May 2026 by researchers Rahmat Da'i, Wira Lestari, Ilham Wahyudi, and Enggar Diah Puspa Arum from Universitas Jambi. The study investigated how educational understanding directly influences compliance behavior among Generation Z—individuals born between 1997 and 2012—who are navigating personal income taxes in an increasingly digital economy. As young adults take on new roles as content creators, freelancers, and digital workers, understanding tax regulations, electronic filing systems (e-filing), and national development roles proves crucial for ensuring stable state revenues.

Background and Context

Generation Z represents a growing core of the modern workforce, yet many young earners experience confusion when faced with formal administrative procedures. Digital economic activities often fall outside traditional employment models, leaving young workers without straightforward tax guidance. Without practical tax education in formal school curricula, young taxpayers often view taxation as a financial burden rather than a social contribution. Improving tax literacy provides young workers with the foundation needed to build positive perceptions of the tax system and adopt voluntary compliance.

Research Methodology

The researchers conducted a descriptive quantitative study targeting urban Generation Z individuals who earn income or hold a Taxpayer Identification Number (NPWP). Primary data was gathered digitally in April 2026 using Google Forms questionnaires administered to 50 purposively sampled respondents. The team evaluated two main variables: Tax Literacy (independent) and Taxpayer Compliance (dependent). The collected data was processed using simple linear regression analysis, validity and reliability testing, and ANOVA tests via IBM SPSS software to statistically measure how tax understanding shapes compliance behavior.

Key Findings

The statistical evaluation demonstrated a direct link between tax knowledge and taxpayer discipline among young earners:

  • Direct Statistical Influence: Tax literacy has a positive and significant effect on Generation Z taxpayer compliance, showing a regression coefficient of 1.057 and a significance level of 0.000.
  • High Predictive Power: The research model established that tax literacy contributes 60.5% toward explaining the variation in young taxpayer compliance.
  • Remaining External Factors: The remaining 39.5% of compliance behavior is influenced by outside factors not analyzed in the study, such as service quality, perceptions of corruption, or administrative sanctions.
  • Bureaucratic Challenges: Despite higher levels of awareness driving willingness to comply, study participants consistently identified bureaucratic complexity as a major operational obstacle.

Implications and Real-World Impact

The study highlights clear strategies for governments, tax authorities, and educational institutions looking to improve compliance among younger demographics. Tax authorities must modernize communication strategies by replacing rigid legal terminology with clear visual content on digital platforms popular among Generation Z. Simplifying digital administration platforms, such as mobile tax applications, can help remove administrative hurdles for first-time taxpayers. By reducing bureaucratic friction and integrating practical tax education into academic settings, policymakers can foster sustained voluntary compliance among young earners in the digital economy.

Expert Commentary

Reflecting on the relationship between education and compliance, the authors noted:

"Tax literacy is not merely a technical ability to fill out forms, but rather encompasses awareness of the role of taxes in national development. Adequate tax knowledge will shape a positive perception of taxpayers towards the tax system, which ultimately minimizes the tendency to engage in tax avoidance." — Rahmat Da'i, Wira Lestari, Ilham Wahyudi, and Enggar Diah Puspa Arum, Universitas Jambi.

Author Profiles

  • Rahmat Da'i, M.Ak. – Universitas Jambi, Master of Accounting Science, specializing in tax literacy and digital taxation.
  • Wira Lestari, M.Ak. – Universitas Jambi, Master of Accounting Science, specializing in accounting and tax compliance.
  • Ilham Wahyudi, M.Ak. – Universitas Jambi, Master of Accounting Science, specializing in financial accounting and public sector taxation.
  • Enggar Diah Puspa Arum, M.Ak. – Universitas Jambi, Master of Accounting Science, specializing in behavioral accounting and tax policy.

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