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Adani Fitri Amalia
Pendidikan Ekonomi, Universitas Jenderal soedirman, Purwokerto
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science

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Analisis Perilaku Konsumtif Generasi Z dalam Penggunaan Dompet Digital Sebagai Dampak Perkembangan Teknologi Finansial Terhadap Pola Konsumsi Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman Adani Fitri Amalia; Naila Nur Kamila; Oki Anggreani; Dijan Rahajuni
Jurnal Teknologi dan Bisnis Cerdas Vol 2 No 2 (2026): Volume 2 Nomor 2 (Juni 2026)
Publisher : Plexi Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64476/jtbc.v2i2.70

Abstract

This study examines Generation Z’s spending trends regarding the use of digital wallets as a result of advancements in financial technology among students at the Faculty of Economics and Business, Jenderal Soedirman University. The objective is to understand how the use of e-wallets influences students’ spending patterns, both in terms of transaction convenience and its impact on their consumption behavior. With rapid technological development, digital wallets have become a solution that helps people conduct transactions in a more efficient, faster, and easier way. The findings of this study indicate that the use of digital wallets simplifies the transaction process and increases the frequency of purchases, which can foster consumptive behavior. Promotional factors such as discounts and cashback, as well as the influence of the social environment, also reinforce the tendency toward excessive consumption. Furthermore, this study reveals that some students are able to manage their expenses due to good financial management, while others still struggle to control their consumerist behavior. Therefore, it is important to enhance awareness and skills in financial management so that the use of digital wallets does not lead to negative consequences. It is hoped that this study can provide a useful perspective for students to use their e-wallets more wisely.
Co-Authors Dijan Rahajuni Naila Nur Kamila Oki Anggreani