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All Journal Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis
Ilham Maulana
Universitas Kebangsaan Republik Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Keuangan di Dompet dan Dompet Digital terhadap Perilaku Konsumtif Ilham Maulana; Deri Apriadi
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 3 No. 4 (2025): Oktober : Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v3i4.2247

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.
Co-Authors Deri Apriadi