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All Journal Equator Journal of Management and Entrepreneurship Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Multidisiplin West Science Journal of Educational Management Research Enrichment: Journal of Multidisciplinary Research and Development INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Nurul Komari
Institut Teknologi Sepuluh Nopember Surabaya
Humanities Economics, Econometrics & Finance Education Engineering Health Professions Social Sciences

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Journal : Journal of Educational Management Research

 1 
Consumer Psychological Factors and Impulse Buying: The Moderating Role of Mindfulness among Generation Z QRIS Users Riyani, Indah; Pebrianti, Wenny; Komari, Nurul; Purmono, Bintoro Bagus; Setiawan, Harry
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.1924

Abstract

The rapid adoption of QRIS-based digital payment systems has transformed Generation Z’s consumption patterns, particularly by increasing their tendency toward impulse buying. This study aims to examine the effects of spendception, cashless effect, and hedonic motivation on impulse buying, as well as the moderating role of mindfulness. This quantitative study involved 250 Generation Z respondents in Indonesia who had engaged in impulse buying using QRIS within the past six months. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that spendception, cashless effect, and hedonic motivation have positive and significant effects on impulse buying. Mindfulness weakens the influence of the cashless effect arising from transaction convenience and hedonic motivation driven by emotional pleasure. Conversely, mindfulness strengthens the effect of spendception on impulse buying, as a reduced perception of monetary loss makes transactional awareness insufficient to restrain purchasing impulses. These findings suggest that psychological processes in digital transactions are heterogeneous, depending on consumers’ cognitive and affective dynamics, and offer practical implications for consumers in managing impulsive purchasing tendencies in the era of digital payments.
Post-Adoption Determinants of Continuance Intention: The Mediating Role of Satisfaction among Indonesian Canva Pro Users Safmi, Ima Kumala; Komari, Nurul; Listiana, Erna; Fitriana, Ana; Ahmadi
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.1940

Abstract

Cloud-based graphic design platforms have significantly expanded global creative accessibility; however, Canva’s market share in Indonesia has declined by 14.14% to 9.01% despite high digital penetration. This study aims to analyze the post-adoption determinants of continuance intention among Indonesian Canva Pro users by integrating the Expectation Confirmation Model (ECM) and the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). A quantitative approach was employed through a survey of 230 active Canva Pro subscribers, and the data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that confirmation of expectation, perceived enjoyment, and price saving orientation positively and significantly influence satisfaction. Furthermore, satisfaction, confirmation of expectation, and price saving orientation have direct significant effects on continuance intention, while perceived enjoyment affects continuance intention indirectly through satisfaction. Mediation analysis confirms that satisfaction serves as a significant intervening variable linking cognitive, affective, and economic factors to continuance intention, with price saving orientation emerging as the most dominant determinant. These results imply that sustaining subscription-based digital services in utilitarian contexts requires not only fulfilling user expectations and delivering enjoyable experiences, but more importantly, ensuring strong perceived economic value to strengthen long-term user retention strategies.
Co-Authors AHMADI Ana Fitriana Ardanti, Farradina Putri Daud, Ilzar Edi Sutrisno Erna Listiana Fauzan, Rizky Fransiskus, Rudi Harry Setiawan Karsim, Karsim makmur hidayah, huzaifah Muhammad Afif Panjaitan, Dicky Julius Pramana Saputra Purmono, Bintoro Bagus Riyani, Indah Rizki Fauzan, Rizki Safmi, Ima Kumala SULISTIOWATI Sulistiowati Sulistiowati Veronika Veronika Wenny Pebrianti