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All Journal Jejak digital: Jurnal Ilmiah Multidisiplin
Ida Ayu Wayan Sudesni Netiliani
Institut Agama Hindu Negeri Gde Pudja Mataram
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Financial Technology Penggunaan E-Wallet dan QRIS Terhadap Perilaku Konsumtif Gen Z di Kota Mataram Ida Ayu Wayan Sudesni Netiliani; Ni Luh Putu Anom Pancawati; Ida Ayu Nyoman Widia Laksmi
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/cfktcr49

Abstract

This study aims to analyze the effect of Fintech E-Wallet and QRIS usage on the consumptive behavior of Generation Z in Mataram City. This research employed a quantitative approach with a sample of 100 respondents selected through purposive sampling. Data were analyzed using validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, and F-test. The results indicate that: (1) the use of Fintech E-Wallet has a significant effect on the consumptive behavior of Generation Z in Mataram City; (2) the use of QRIS does not have a significant effect on the consumptive behavior of Generation Z in Mataram City; and (3) simultaneously, Fintech E-Wallet and QRIS have a significant effect on the consumptive behavior of Generation Z in Mataram City. The coefficient of determination shows that 18% of the variation in consumptive behavior can be explained by the two variables, while the remaining 82% is influenced by other factors outside the scope of this study.
Co-Authors Ida Ayu Nyoman Widia Laksmi Pancawati, Ni Luh Putu Anom