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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)
Rahmi, Restu Aulia
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Economics, Econometrics & Finance

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Journal : EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)

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Pengaruh Cashless Society Dan E-Wallet Terhadap Perilaku Konsumtif Mahasiswa Rahmi, Restu Aulia; Maresti, Dwila; Zuhra, Syarifah
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 2 (2025): November 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i2.8388

Abstract

This study aims to analyze the influence of cashless society and e-wallets on the consumptive behavior of students at Mohammad Natsir University Bukittinggi. The research method used a quantitative approach with a survey technique on 70 respondents selected by purposive sampling. Data were analyzed using validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results show that e-wallets have a positive and significant effect on consumptive behavior (β = 1.059; p = 0.000), while cashless society shows a significant negative influence (β = -0.306; p = 0.008). Simultaneously, both variables explain 69.8% of the variation in consumptive behavior (Adj. R² = 0.698). These findings indicate that e-wallet features such as cashback and ease of transaction are the main triggers of consumptive behavior, while a comprehensive understanding of the cashless system can act as a controller. This study recommends the importance of digital financial literacy and more responsible e-wallet design.
Co-Authors Maresti, Dwila Zuhra, Syarifah