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All Journal Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jambura Science of Management Jurnal Abdi Insani Jurnal Ilmiah Satyagraha Jurnal Cahaya Mandalika Nusantara Hasana Journal Journal of Management and Digital Business Jurnal Ekonomi dan Bisnis Mestaka: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat Bangsa Riwayat: Educational Journal of History and Humanities Seminar Nasional Teknologi dan Multidisiplin Ilmu Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Jurnal Publikasi Ekonomi dan Akuntansi
Ovriyadin, Ovriyadin
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Eksplorasi Transformasi Keuangan Digital Mahasiswa di Era Cashless Society Muniarty, Puji; Rimawan, M; Ovriyadin, Ovriyadin; Dwiriansyah, M Syukur
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 2 (2026): Artikel Research April 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i2.3447

Abstract

This study examines the changes in digital finance among college students in the cashless society era, where the use of GrabFood and the online transaction platform OVO is increasing in daily activities. This study uses a qualitative method with a phenomenological approach through interviews with five students active in the odd-even semester of the 2025/2026 academic year who use digital financial services using GrabFood to pay via OVO more than 5 times, as well as Generation Z born between 1997 and 2012. The results show that digital finance makes transactions easier and faster, but also encourages increased consumption and more spontaneous shopping decisions due to easy access and numerous promotions. On the other hand, the use of this system also provides benefits in the form of neater, more transparent, and easier to monitor financial records. In general, the transformation of digital finance not only changes the way students transact, but also influences their mindset and consumption habits. Therefore, digital financial literacy is crucial for students to manage their finances more wisely amidst increasingly rapid technological developments.
Co-Authors ADHAR, MUHAMMAD Alwi Alwi Amalia, Raisya Darmawan, Imam Dwiriansyah, M Syukur Febrianti Febrianti Fitriani, Fani Fitriani, Reza Hanifah Muthiah Haryanti, Intisari Hidayanti, Mawar Humairah, Marsya Ismunandar Ita Purnama, Ita M Syukur Dwiriansyah M. Rimawan Nafisah Nurulrahmatiah Ni Made Dwi Puspitawati Puji Muniarty Radiansyah Radiansyah Rimawan, M Rimawan, Muhammad Rosa Yuliati Sri Ernawati Sulami, Neti Wulandari Wulandari