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Andalia
Universitas Muslim Maros
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Engineering Industrial & Manufacturing Engineering

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The Influence Of Non-Cash Payment Systems On Financial Behavior With Digital Culture As A Moderating Variable Kusiyah; Tita Safitriawati; Dian Indah Sari; Andalia; Endi Rustendi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 1 No. 3 (2022): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.1680

Abstract

This study aims to analyze the influence of cashless payment systems on individual financial behavior, with digital culture as a moderating variable. In an era of rapid technological transformation, the shift from cash-based transactions to digital platforms has changed the way consumers perceive and manage the value of money. Using a quantitative approach, this study evaluates how ease of access and digital payment features trigger different consumption behaviors. The results show that cashless payment systems have a positive and significant influence on financial behavior that tends to be consumptive, but can improve financial record-keeping efficiency if managed properly. Furthermore, digital culture was found to strengthen this influence: individuals with high levels of digital literacy and adaptation were more likely to adopt this payment technology, but were also more prone to impulsive spending. These findings provide important implications for regulators and financial service providers to improve digital financial literacy education to mitigate the risk of negative financial behavior in society.
Co-Authors Dian Indah Sari Endi Rustendi Kusiyah Tita Safitriawati