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Nur Alifah
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Analisis Pengaruh E-Wallet Terhadap Perilaku Menabung dan Pengeluaran Konsumen di kab. takalar Nur Alifah; Rayyani Waode
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This research aims to analyze the impact of e-wallet usage on consumer saving and spending behavior in Takalar Regency. The background of this research is based on the rampant use of digital wallets (e-wallets) that offer transaction convenience but have the potential to encourage consumerist behavior. This study employs a quantitative approach using a survey method involving 100 e- wallet users residing in Takalar Regency. Data analysis is conducted using multiple linear regression to test the influence of access convenience, application features, and financial literacy on consumer saving and spending behavior. The research findings indicate that the use of e-wallets has a significant effect on increasing consumer spending, while the effect on saving behavior is moderate and depends on the individual's level of financial literacy. These findings highlight the importance of digital financial education so that the community can utilize it.
Co-Authors Agis Ahmad Rodiansjah Agus Gilang Hermawan Agus Rohmat Hidayat Agus Rohmat Hidayat Ahmad, Aktsar Roskiana Aji, Darojat Laksito Ali Mutafi Amanda, Feby Adelia Ana Pratiwi, Ana Andika Cahya Febriawan Anggraini Dwi Kurnia Anton, Secendry R. Ardhika Achmad Gustama Asiah, Sindi Nur Audhain, M Da’i Ayu, Rani Benny Afwadzi, Benny Cecep Agus Chamdani, Yusup Desmira Desmira, Desmira Didik Aribowo Dina, Aulia Rahma Dwi Cahyono, Bagus Elan Maulani, Isma Elfriza Putri Indrayanti Fadillah, Ega Nur Fahmi, Cahyaning Azami FAISAL HARIS Falah, Zidnal Fitriyanti, Elvira Gelen Veranda Deanda Gubayana, Hansen Hakim, Faisal Hasanah, Suci Hasriyanti Hidayat, Agus Rohmat Huda, Ghisma Nur Iman, Atep Julian Muhammad Zaky Juniwan Juniwan Kadir Kadir Khairi Hakim, Fachri Rajib Khairul Umam Lailatul Masruroh Lativah, Evi Lestari, Anisa Ayu Dwi Mannan, Abdul Muammar Fawwaz Muhammad Hafis murdiyanto, joko Nafisa, Amilatun Naufal, Nabil Nendi, Ikhsan Novitasari, Rossalina Nur Fadhilah Amir Fadhilah Amir Amir Nur Melizza Nuraeni Salsabila, Irma Nurfitraini Nurhidayati, Eni Nuriatullah Nurilla Kholidah Nurwijayanti Oga Laksana, Medika Orizativa Jami Paz, Luciana Perdiansah, Edli Putri Andini Maulana Rahmat, Alif Ramadhan, Fatih Humam Rayyani Waode Ria Lestari, Ria Rizky Sabili Salam Rodiansjah, Agis Ahmad Roibin Saflesa, Arius Tonce Saona Saona, Saona Sa’adah, Siti Naila Sella, Nursella Anggraini Sheilla Ayu Aqillah Siti Rohimah Sofyan, Syaakir Sugeng Hermanto, Sugeng Syakirah Teguh Wahyudi Wahyudi Tiara Aprilia Kulsum Tristiyanto, Edy Utami, Ana Fajri Viviani, Risma Wahyu Hidayat Wardana, Iga Warijan Warijan Wisni, Anggrieni Yusrina Syirly Salsabil Azzahra Zuhriyah, Nabilaa Faizatuz