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All Journal Jurnal Reviu Akuntansi dan Keuangan Jurnal Siasat Bisnis Lingua Didaktika: Jurnal Bahasa dan Pembelajaran Bahasa Jurnal Kajian Bali Jurnal Ilmiah Mahasiswa FEB Infestasi Jurnal Ilmu Manajemen (JIMMU) Pendidikan Multikultural Public Corner Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Reswara: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) JOURNAL OF COMMUNITY ENGAGEMENT AND EMPOWERMENT JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) JIAGABI Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) e-Jurnal Apresiasi Ekonomi Relasi : Jurnal Ekonomi Intelektual: Jurnal Administrasi Publik dan Ilmu Komunikasi International Journal of Entrepreneur and Business Administration Journal of International Accounting, Taxation and Information Systems International Journal of Social Science and Community Service Open Access DRIVERset
Khoiriyah Trianti
Universitas Islam Malang
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PAIN OF PAYING AS MEDIATION: AN ANALYSIS OF THE INFLUENCE OF DIGITAL PAYMENTS AND FINANCIAL LITERACY ON STUDENTS' IMPULSE BUYING BEHAVIOR Muhammad Yahfi; Mohammad Mas'ud said; Khoiriyah Trianti
Jurnal Ilmu Manajemen (JIMMU) Vol. 10 No. 1 (2025): Jurnal Ilmu Manajemen (JIMMU)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v10i1.24149

Abstract

This study analyzes the influence of digital payment usage and financial literacy on impulsive buying behavior, with pain of paying as a mediating variable. This topic is important due to the high adoption of digital payments among Generation Z, which potentially reduces psychological control during transactions and encourages consumptive behavior. The research aims to investigate whether digital payment usage and financial literacy influence impulsive buying, as well as the mediating role of the pain of paying in this relationship. Using a quantitative approach, a survey was conducted with 100 students at the Islamic University of Malang. The data were analyzed using PLS-SEM with SmartPLS 4. The results indicate that digital payment usage has a significant positive effect on impulsive buying, while financial literacy has a significant negative effect. Furthermore, the pain of paying partially mediates the effect of digital payment usage on impulsive buying, but does not mediate the relationship between financial literacy and impulsive buying. In conclusion, digital payments encourage impulsive buying by reducing the pain of paying, whereas financial literacy directly strengthens consumption control without involving the pain of paying. These findings contribute to the theory of digital consumer behavior and highlight the importance of financial literacy programs in the context of digital transactions
Co-Authors Afifah Nur Millatina Aini, Yulis Nurul Alabdullah, Tariq Tawfeeq Yousif Anggraeni, Delfia Arif Luqman Hakim Arrum, Insyanin Qamilia Ayu Sulasari Chici Elvina Widyawati Cholifah, Junika Nur Cintya, Oktriaayu Mega Dadang Krisdianto, Dadang Daris Zunaida Delfia Anggraeni Denny Febriyanto Dwi Ari Kurniawati Evelina, Tri Yulistyawati Fajil Bin Abd Batau, Mohamed Febriyanto, Denny Hardati , Ratna Nikin Hardati, Ratna Nikin Hirshi Anadza Hudratil Yaumil Husniah Hudratil Yaumil Husniah Husniah, Hudratil Yaumil Imandasari, Rizqi Isfatul Jannah Iwan Triyuwono Karina Utami Anastuti Khasanah, Shofia Uswatul Ludfi Djajanto Lutfiatus Sholikhah Mohammad Mas'ud said Muhammad Yahfi Nala, Dadilla Daffa Octa Noni Mia Rahmawati Norma Wijayanti Radiatul Husni Rahmawati, Septina Dwi Ratna Niken Hardati Retno Wulan Sekarsari Rini Rahayu Kurniati Rizky Amelia Rahma Safitri Sari, Celvia Gusmia Septyarina Hastin Wulandari Sholikhah, Lutfiatus Sisilia Ramadhani Siti Saroh Siti Saroh Sri Nuringwahyu Suyeno Tuddiana, Imama Udi, Mohalimas' Wahyu Indah Lestari Widayawati, Eny Widuroyekti, Shelativa Widyawati, Chici Elvina Yasmin Nurul Zakkiya Yulis Nurul Aini Zainal Abidin Zainal Abidin Zaini, Muhammad Rizki