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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE
Ardhya Redina
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Humanities Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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THE INFLUENCE OF ECONOMIC FACTORS, LIFESTYLE, AND PSYCHOLOGICAL BEHAVIOR ON DECISION-MAKING IN E-WALLET USAGE (A STUDY ON STUDENTS OF THE FACULTY OF ISLAMIC ECONOMICS AND BUSINESS AT UIN SUMATERA UTARA) Ardhya Redina; Nurlaila; Muhammad Lathief Ilhamy Nasution
International Journal of Cultural and Social Science Vol. 6 No. 2 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i2.1065

Abstract

In the digital era, the use of financial technology, especially e-wallets, is increasing among students due to its convenience and flexibility. However, limited studies have examined the influence of economic, lifestyle, and psychological factors on e-wallet usage, particularly among Islamic economics students. This study uses a quantitative method with a multiple linear regression approach, based on data from 100 respondents collected via online questionnaires. The results show that economic factors negatively influence e-wallet usage (coefficient = -0.276, sig. < 0.05), suggesting that higher economic status may reduce usage. Lifestyle has a positive influence (coefficient = 0.341, sig. < 0.05), indicating students with modern habits are more likely to use e-wallets. Psychological behavior is the most influential factor (coefficient = 0.768, sig. < 0.05), emphasizing the role of motivation, perception, and trust. The R² value of 0.632 indicates that 63.2% of e-wallet usage decisions are explained by these variables.
Co-Authors Muhammad Lathief Ilhamy Nasution Nurlaila