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All Journal Jurnal Paradigma Ekonomika Jurnal Ilmu Manajemen (JIM) Medical Journal of Indonesia JAM : Jurnal Aplikasi Manajemen JOURNAL OF EDUCATION SCIENCE Jurnal Profesi Medika: Jurnal Kedokteran dan Kesehatan Jurnal SOLMA Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) Jurnal Mantik Performance : Jurnal Bisnis dan Akuntansi Jurnal Ilmiah Edunomika (JIE) Enrichment : Journal of Management JISO : Journal of Industrial and Systems Optimization International Journal of Global Accounting, Management, Education, and Entrepreneurship (IJGAME2) Judikatif: Jurnal Desain Komunikasi Kreatif Jurnal Ekonomi GREENOMIKA The Avicenna Medical Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Nusantara Community Empowerment Review Riwayat: Educational Journal of History and Humanities IIJSE Journal of Science and Social Development PESHUM Kesmas: Jurnal Kesehatan Masyarakat Nasional (National Public Health Journal)
Achmad Zaki
Staf Pengajar Program Studi Pendidikan Dokter Fakultas Kedokteran Dan Ilmu Kesehatan Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Public Health Social Sciences Transportation Other

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Journal : Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK)

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The Effect of Financial Technology and Self-Control on Impulsive Buying: The Moderating Role of Income Mufassiro, Ani; Zaki, Achmad; Mustaqim, M.; Putrihadiningrum, Devika Cherly
SIMAK Vol. 23 No. 01 (2025): Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK)
Publisher : Faculty of Economics dan Business, Atma Jaya Makassar University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35129/simak.v23i01.623

Abstract

This research seeks to examine the influence of financial technology usage and self-control on impulsive buying behavior, with income serving as a moderating variable. A quantitative approach with an explanatory method is employed in this study. A sample of 96 respondents was obtained through accidental sampling technique, namely Belikopi consumers in Sidoarjo who actively use fintech services in transactions. The data obtained was analysed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0 software. The results showed that the use of financial technology has a positive and significant effect on impulsive buying. In contrast, self-control does not have a significant effect on this behaviour. Moreover, income has been found to moderate and diminish the impact of financial technology on impulsive buying behavior. In contrast, income strengthens the effect of self-control on impulsive buying. This finding implies that income plays an important role in weakening or strengthening technological and psychological influences on impulsive consumption behaviour.
Co-Authors Achmad Wicaksono Achmad, Ak’yas Daksani Agustin, Zuhrotun Nadzifah Andini, Anala Ilfi Xena Ardiansyah, Deny Arismunandar Arismunandar Asrinaldi Asrinaldi CHRIS ADHIYANTO Christin Susilowati Cynthia Eka Violita Devika Cherly Putrihadiningrum Faisol Banan , Muhammad Farida, Ucyk Nurul Fauziyah, Ninik Firmansah, Achmad Daniel Hakkam, Nur Ahmad Harriyati, Zeti Hidayat, Muhammad Syurya Ichsan Ida Ayu Putu Sri Widnyani Ilmiyah, Dwi Erni Mazro'atul Irsyadia, Latifah Islamiyah, Izzatul Ismail H. D. Ivanka, Siska Judijanto, Loso Jumhur Kamila, Edita Rachma Karni, Dwi Khurnia, Siti Lailatul Kurniawan, Aditya Bayu Laifa Annisa Hendarmin Laily Muzdalifah Lestari, Ardya Putri Lily Oktavia Mahdi Mahdi, Mahdi Mahendra, Maulana Ihza Mahfudhoh, Dalilah Hotimatul Maikel, Mahesa Paranadipa Mardjikoen, Bisatyo Mintarti Rahayu Mufassiro, Ani Muhafidhah Novie Mustaqim, M Mustaqim, M. Mutoharoh, Hurun Iyn Muzakqi, Mochammad Rifqian Naqiya, Fauzia Ilman P, Devika Cherly Qaaf, Muhammad Alfath Qurratu ‘aini, Nafia Ilhama Qurratu'aini, Nafia Ilhama Qurratu’aini, Nafia Ilhama RR. Ella Evrita Hestiandari Rufaidah, Melia Fatrani Sholika, Shinta Anatus Sholikhah, Khurin In Mar'atus Suharyanto Syafira, Melinda Syaparuddin Syaparuddin Tamyis, M Hidayatul Taqwanur Taqwanur, Taqwanur Wati, Indah Widhayani, Puri Setioningtyas Yuliestia Dana, Intania Regina Yuwana, Haris Eka Zaman, M Nuruz