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All Journal Jurnal Ilmu Manajemen Profitability Jurnal Manajemen, Akuntansi, Ekonomi
Anggi Aprizal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effects of FoMO on Student Consumption Behavior in the Digital Economy Era Husna , Jihan Arifah; Wiranatakusuma, Dimas Bagus; Anggi Aprizal
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 3 No. 3 (2025): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v3i3.1129

Abstract

The rapid rise of digital platforms, particularly TikTok, has significantly influenced consumer behavior. It causes the emergence of FOMO (Fear of Missing Out) as a key driver of impulsive purchasing. This study aims to investigate the effects of FoMO on student consumption behavior in this digital economy, focusing on students at Muhammadiyah University of Yogyakarta (UMY). Using a qualitative approach with a cross-sectional design, data were collected through semi-structured interviews with three UMY students who actively shop on TikTok. The findings reveal that FoMO leads to impulsive buying, driven by emotional triggers such as trends, live-streaming promotions, discounts, and free shipping. Furthermore, some students already have budgeting awareness related to FoMO purchases, while others still face financial management challenges. Additionally, feelings of guilt were identified as a secondary effect, often stemming from dissatisfaction with impulsive purchases. The study highlights the role of TikTok in amplifying FoMO-driven consumption and underscores the need for awareness to do budgeting. These findings offer insights among students to foster their mindfulness of consumption habits in this digital era.
Analyzing Switching Intention to Fintech-Based Crowdlending Services: A Push-Pull-Mooring Model Dimas Bagus Wiranatakusuma; Virgiawan Andhika; Anggi Aprizal; Ghalieb Mutig Idroes
Jurnal Ilmu Manajemen Profitability Vol. 10 No. 1 (2026): FEBRUARY 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/p7rnap76

Abstract

The rapid growth of financial technology has transformed financial services, particularly through fintech-based crowdlending platforms that offer alternatives to conventional banking. Despite their potential advantages, switching from traditional banks to crowdlending remains limited, even among digitally literate university students. Prior research has focused primarily on adoption intention, with limited attention to the combined roles of dissatisfaction, attractiveness, and behavioral constraints in shaping switching decisions. This study examined the determinants of switching intention to fintech-based crowdlending using the Push–Pull–Mooring framework. A quantitative design was employed, and primary data were collected through structured questionnaires from 267 undergraduate economics students at Universitas Muhammadiyah Yogyakarta, Indonesia. Data were analyzed using Partial Least Squares–Structural Equation Modeling to test measurement validity and structural relationships. The findings revealed that pull factors relative advantage, perceived security, and ease of use—positively and significantly influenced switching intention (β = 0.179; p < 0.01). Push factors, including dissatisfaction with pricing, service quality, and product features, showed no significant effect (β = −0.002; p > 0.05). Mooring factors, such as inertia, affective commitment, and perceived switching costs, exerted a significant negative influence (β = −0.166; p < 0.05). These results indicate that switching intention is driven more by perceived benefits of alternatives than by dissatisfaction, while psychological and transactional barriers remain critical constraints.
Co-Authors Dimas Bagus Wiranatakusuma Ghalieb Mutig Idroes Husna , Jihan Arifah Virgiawan Andhika Wiranatakusuma, Dimas Bagus