Pengaruh Keuangan di Dompet dan Dompet Digital terhadap Perilaku Konsumtif

Ilham Maulana; Deri Apriadi

doi:10.61132/manuhara.v3i4.2247

Authors

Ilham Maulana Universitas Kebangsaan Republik Indonesia
Deri Apriadi Universitas Kebangsaan Republik Indonesia

DOI:

https://doi.org/10.61132/manuhara.v3i4.2247

Keywords:

Consumptive Behavior, Digital Transactions, Digital Wallet, Financial Literacy, Physical Money

Abstract

The rapid advancement of digital technology has significantly influenced consumer financial behavior, particularly with the widespread adoption of digital wallets. This study aims to analyze the influence of physical wallet money and digital wallet balances on consumptive behavior among young adults. Using a quantitative research approach, data were obtained from 77 respondents through an online survey distributed via social media platforms. The research instrument employed a Likert scale ranging from 1 to 5 to measure three main variables: physical wallet money, digital wallet balance, and consumptive behavior. Data analysis included validity and reliability testing, followed by multiple linear regression using SPSS version 26. The results indicate that both independent variables—physical wallet money and digital wallet balances—have a positive and significant influence on consumptive behavior. However, the influence of digital wallet balances is more dominant than that of physical wallet money. The regression model produced an R-squared value of 0.615, indicating that 61.5% of the variation in consumptive behavior can be explained by the two variables. These findings highlight the psychological impact of the convenience of digital transactions on impulsive buying tendencies. Therefore, enhancing financial literacy is essential in today’s digital economy. Further research is recommended to involve a broader population and consider additional financial technology variables to gain a more comprehensive understanding of digital consumption behavior.

Downloads

Download data is not yet available.

References

Alalwan, A. A., Al-Debei, M. M., Rana, N. P., & Dwivedi, Y. K. (2017). Consumer adoption of mobile banking in Jordan: The role of security, trust, and privacy. Journal of Financial Services Marketing, 22(2), 45–55. https://doi.org/10.1057/s41264-017-0022-0

Ananda, M. A. (2024). Pengaruh penggunaan dompet digital terhadap perilaku konsumtif mahasiswa. Jurnal Pendidikan DEWANTARA, 10(1), 34–42. https://jurnal.stkippgritrenggalek.ac.id/index.php/dewantara/article/view/639

Fathoni, M. S. (2024). Pengaruh penggunaan dompet digital terhadap perilaku konsumtif pada mahasiswa UIN Sunan Kalijaga Yogyakarta. Skripsi. UIN Sunan Kalijaga Yogyakarta.

https://digilib.uin-suka.ac.id/id/eprint/66998/

Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013

Lee, M. C. (2010). Explaining and predicting users' continuance intention toward e-learning: An extension of the expectation-confirmation model. Computers & Education, 54(2), 506–516. https://doi.org/10.1016/j.compedu.2009.09.004

Liébana-Cabanillas, F., Rejón-Guardia, F., & Muñoz-Leiva, F. (2017). The determinants of mobile payment adoption: A cross-cultural comparison. International Journal of Information Management, 37(3), 239–250. https://doi.org/10.1016/j.ijinfomgt.2016.11.007

Mendoza-Tello, J. C., Mora, H., Pujol-López, F. A., & Lytras, M. D. (2018). Mobile payment systems and consumer behavior: A literature review. Journal of Theoretical and Applied Electronic Commerce Research, 13(2), 71–90. https://doi.org/10.4067/S0718-18762018000200107

Pham, T. H., & Ho, J. (2015). The effects of mobile payment on consumers’ purchasing behavior: A study of Chinese consumers. International Journal of Marketing Studies, 7(1), 50–59. https://doi.org/10.5539/ijms.v7n1p50

Prelec, D., & Loewenstein, G. (1998). The red and the black: Mental accounting of savings and debt. Marketing Science, 17(1), 4–28. https://doi.org/10.1287/mksc.17.1.4

Raghubir, P., & Srivastava, J. (2008). Monopoly money: The effect of payment coupling and form on spending behavior. Journal of Experimental Psychology: Applied, 14(3), 213–225.

https://doi.org/10.1037/1076-898X.14.3.213

Shah, A. M. (2020). Mobile wallet adoption in the context of the Covid-19 pandemic: An extended UTAUT2 model. Journal of Retailing and Consumer Services, 58, 102418. https://doi.org/10.1016/j.jretconser.2020.102418

Soman, D. (2001). Effects of payment mechanism on spending behavior: The role of rehearsal and immediacy of payments. Journal of Consumer Research, 27(4), 460–474.

https://doi.org/10.1086/319621

Suri, T., & Jack, W. (2016). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288–1292. https://doi.org/10.1126/science.aah5309

Xu, H., Teo, H. H., Tan, B. C., & Agarwal, R. (2010). The role of push-pull technology in privacy calculus: The case of location-based services. Journal of Management Information Systems, 26(3), 135–174. https://doi.org/10.2753/MIS0742-1222260305

Zhang, X., & Wang, T. (2016). Mobile payment adoption in China: An examination of the role of trust, social influence, and perceived ease of use. Information & Management, 53(8), 1101–1111. https://doi.org/10.1016/j.im.2016.06.003