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All Journal CAUCHY: Jurnal Matematika Murni dan Aplikasi Potensia Pendas : Jurnah Ilmiah Pendidikan Dasar Diklabio: Jurnal Pendidikan dan Pembelajaran Biologi JMM (Jurnal Masyarakat Mandiri) Pharmaceutical Journal of Indonesia JPMI (Jurnal Pembelajaran Matematika Inovatif) Islamika : Jurnal Agama, Pendidikan dan Sosial Budaya Hubungan Tingkat Pengetahuan Petugas Pengelola Obat dengan Tingkat Ketersediaan Obat Di Puskesmas Kota Malang Bioscientist : Jurnal Ilmiah Biologi International Journal of Research in Community Services Operations Research: International Conference Series International Journal of Global Operations Research Journal of Midwifery and Public Health eMBeJi : Manajemen dan Bisnis Jurnal Accounting Research Unit (ARU JOURNAL) Jurnal Keperawatan Hang Tuah (Hang Tuah Nursing Journal) Mafaza : Jurnal Pengabdian Masyarakat Journal of Health, Education, Economics, Science, and Technology (J-HEST) Jurnal Profesi Pendidikan (JPP) Jurnal Mahasiswa Mengabdi (JIMAWAbdi) International Journal of Economics (IJEC) Talent: Journal of Economics and Business Journal of Economics, Bussiness and Management Issues Pi Radian Journal Kharismatik : Jurnal Ilmu Pendidikan
Amelia, Rika
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Immunology & microbiology Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Talent: Journal of Economics and Business

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Understanding Students’ Consumption Behavior: The Role of Digital Payment, Financial Literacy, and Lifestyle Septiani, Atikah; Hia, Angel Christin; Syahira, Adella Devany; Amelia, Rika; Wardani, Wanda Putriana
Talent: Journal of Economics and Business Vol. 3 No. 03 (2025): September 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/jeb.v3i03.973

Abstract

This study explores the shifting consumption behavior in society amidst the rapid digitalization of payment systems, particularly through the use of digital payments, which have become an integral part of the economic activities of the younger generation. The main objective of this study is to evaluate the impact of digital payment usage on consumptive behavior, taking into account the mediating role of financial self-control and the moderating role of financial literacy. A quantitative approach was employed, utilizing primary data collected through questionnaires distributed primarily to university students. The data were analyzed using structural equation modeling (SEM) to identify patterns of relationships among the studied variables. A total of 153 respondents participated in this study. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS software, which enabled comprehensive testing of measurement validity, reliability, and structural relationships among variables. The results indicate that higher intensity of digital payment usage is associated with a greater likelihood of uncontrolled and impulsive consumptive behavior. However, individuals' ability to exercise financial self-control significantly mitigates this negative effect and supports more prudent financial decision-making. On the other hand, financial literacy did not exhibit a significant moderating effect, although it is still conceptually considered important in shaping rational financial attitudes. The discussion highlights the need for the development of digital features that promote financial discipline. Therefore, financial management strategies in the digital era should be holistic, adaptive, collaborative, and oriented toward fostering healthy, balanced, and sustainable consumption behavior.
Co-Authors A, Mohamad Fajar Abdul Gazir Syarifudin Adella, Reghina Afianto, Rizky Agustin, Nemia Ahmad Haromaini Amalia, Salsabila Anggreny, Yecy Annisa , Dea Annisa Rachmawati Anti, Tika Roro Azriyah, Azriyah B.A.P, Silvy Kanawanti Bupu, Regina Chairunnisa, Nadine Zahra Cordia, Petra Elvira Destiansari Fadia, Rahma Fahira, Diana Fauziah, Nita Arini Febiana, Via Guna, Bayu Cakra Habiburrohman, Muhammad Hafizd, Jefik Hakim, Moch. Abdul Malik Hanifah, Dinah Hasanah, Alfi Nur Hasibuan, Ahmad Rusdi Pasya Heris Hendriana Hia, Angel Christin Hidayana, Rizki Apriva Hilma Harmen Hindiarti, Yudita Ingga Karim, Noer M. Abdul Khan, Muhammad Fardeen Khasanah, Siti Zaidatul Kholipah, Nenden Siti Nur Loranty Folia Simanjuntak Maftucha, Nissa Manalu, RosarioTrijuliamus Manuela, Angellyca Leoni Marni, Erna Megantara, Tubagus Robbi Muh. Hasan Marwiji Muhamad Parhan Mulyo, Lukman Widoyo Muzayyin, Muzayyin Nahda, Najwa Nahda Nenden Siti Nurkholipah, Nenden Siti Nisa, Puspita Chairun Nisak, Siti Khoirun Normalia, Nita Noviyanti, Alinda Nur Aeni, Ani Nuraini, Sukaesih Intan Nurherawati, Irma Nurhidayah, Nita Nursanti Anggriani Nuryani Nuryani Oktaviani, Tabitha Pangaribuan, Hawila Sabta Pratama, Hendi Yoga Purnama S, Mei Linda Ratna Indriawati, Ratna Razek, Abdur Riska, Ifroh Naila Risma Amelia, Risma Rosiman, Rosiman Sa'adiyah, Imas Santi, Indriana Laila Saputri, Romadhiyana Kisno Septiani, Atikah Sihombing, Melati Siregar, Waidan Nur Sofyan, Rhisma Al-Vyanie Sri Fajar Br. Aritonang, Paulina Sulistiawati Suminar, Ratna Sunita Dasman Susanti, Fahmi Susy Amizera Syahira , Adella Devany Syahira, Adella Devany Wardani, Wanda Putriana Wiatiningsih, Neni Nuraeni Wibisono, Ian Ainun Widiyawati Widyawati, Inayah Yani’ Qoriati Yuningsih, Siti Hadiaty Yusnita Fitrianna, Aflich Zahira, Tira Al