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All Journal Akuntansi Pajak dan Kebijakan Ekonomi Digital Jurnal Ekonomi, Manajemen, Akuntansi
Vina Budiarti Mustika Sari
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Economics, Econometrics & Finance Social Sciences

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The Role of Fintech as a Mediator in the Influence of Economic Literacy on Impulsive Buying Behavior Muhammad Miftah Farid; Fatih Allam Misbah; Siti Mazilatus Sholikha; Deddy Setiawan; Vina Budiarti Mustika Sari; M. Riadhos Solichin; Naning Eko Noviana
Akuntansi Pajak dan Kebijakan Ekonomi Digital Vol. 1 No. 4 (2024): Akuntansi Pajak dan Kebijakan Ekonomi Digital
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/apke.v1i4.534

Abstract

This study aims to analyze the role of fintech as a mediator in the influence of economic literacy on impulsive buying behavior among consumers. Economic literacy is considered an important factor that can influence consumer purchasing behavior, especially in making wise financial decisions. However, technological advances in the financial sector, especially fintech, have also played a role in facilitating impulse buying behavior through the ease of digital transactions and quick access to financial services. This study uses a quantitative approach with a survey method involving 250 respondents. The data was analyzed using a path analysis model to evaluate the direct influence of economic literacy on impulse buying, as well as the mediation role played by fintech. The results show that economic literacy has a negative influence on impulsive buying behavior, but fintech plays a significant role as a mediator that strengthens impulse buying tendencies, even though individuals have good economic literacy. These findings have implications for the development of financial literacy policies and fintech regulations to reduce the risk of consumptive behavior in the digital era.
Pengaruh Penggunaan Sistem Pembayaran Paylater “Bayar Nanti” Terhadap Perilaku Konsumtif Gen Z Dan Milenial Mahasiswa Ikip Widya Darma Surabaya Sandri Setiyaning Meliana; Vina Budiarti Mustika Sari; Eka Andriansyah
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.10588

Abstract

Perkembangan layanan keuangan digital mendorong munculnya sistem pembayaran paylater yang menawarkan kemudahan transaksi dengan pembayaran di kemudian hari. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan paylater terhadap perilaku konsumtif, khususnya di kalangan generasi milenial dan Z. Metode yang digunakan adalah kuantitatif dengan pendekatan deskriptif dan analisis regresi, menggunakan data primer yang dikumpulkan melalui kuesioner. Hasil penelitian menunjukkan bahwa penggunaan paylater memiliki pengaruh yang sangat signifikan terhadap perilaku konsumtif dengan nilai koefisien determinasi sebesar 85,3%. Temuan ini diperkuat oleh kerangka kerja Technology Acceptance Model (TAM) yang menekankan pada persepsi kemanfaatan dan kemudahan penggunaan teknologi sebagai faktor pendorong adopsi. Meskipun layanan paylater memberikan kenyamanan dan fleksibilitas, penggunaannya perlu diimbangi dengan literasi keuangan dan kontrol diri agar tidak menimbulkan beban ekonomi di masa depan. Penelitian ini memberikan kontribusi penting dalam memahami implikasi sosial dan ekonomi dari penggunaan layanan keuangan digital secara lebih bijak..
Co-Authors Deddy Setiawan Eka Andriansyah Fatih Allam Misbah M. Riadhos Solichin Muhammad Miftah Farid NANING EKO NOVIANA Sandri Setiyaning Meliana SITI MAZILATUS SHOLIKHA