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All Journal Sinergi International Journal of Management and Business Aslamiah: Jurnal Pendidikan, Ekonomi, Sosial dan Budaya
Roestam Afandi, Muhammad
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Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Digital Wallets and Student Finances: Analyzing Behavioral Shifts in the Era of Cashless Payments Ahmad Hafidh Saiful Fikri, Aula; Sholeh, Maimun; Susilowati, Nenden; Roestam Afandi, Muhammad; Febrianto, Indra
Sinergi International Journal of Management and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijmb.v3i4.898

Abstract

The development of financial technology (fintech) has brought significant changes to people's transaction patterns, particularly among university students, with the increasing use of digital wallets. This phenomenon is influenced by various factors, including digital literacy, financial attitude, herd behavior, and these factors impact on financial well-being. Therefore, this study aims to construct a structural model of digital wallet usage and how it impacts the financial well-being of students. This research uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to examine the relationships between variables. Data was collected through the distribution of questionnaires to students who actively use digital wallets. The results show that digital literacy has the largest total effect on financial well-being through two pathways: a direct influence and an indirect influence through the use of digital wallets. The total effect of digital literacy is high, making it the dominant predictor in the model. The research results show an R² value for the digital wallet usage variable of 0.508, which falls into the moderate category, while for the financial well-being variable it is 0.723, which falls into the high category. Digital literacy (LD) has established itself as the most fundamental determinant in the digital financial ecosystem. It serves not only as the primary driver of digital wallet (PDD) adoption by enhancing perceived usefulness and ease of use, consistent with the extended technology acceptance model, but also contributes directly and significantly to improving financial well-being (FWB) by facilitating access to financial information and products, aligning with the digital divide theory.
Systematic Literature Review : Pengaruh E-Wallet pada Perubahan Pola Konsumsi Masyarakat Perkotaan: Systematic Literature Review: The Influence of E-Wallets on Changes in Urban Consumption Patterns Fatikha Ibnu Salma, Fatikha; Farah Safitri, Dewi; Firna Wardani, Naswa; Rahma Yunita, Sri; Roestam Afandi, Muhammad
Aslamiah : Jurnal Pendidikan, Ekonomi, Sosial dan Budaya Vol. 4 No. 1 (2026): JANUARI
Publisher : Lembaga Pendidikan Al-Gafari

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Abstract

The advancement of financial technology, particularly the widespread use of e-wallets and digital payment systems, has considerably reshaped consumption habits within urban communities, especially among university students. Evidence from prior research highlights that ease of access, rapid transactions, and promotional incentives such as discounts, cashback, and pay-later services play a central role in driving consumptive tendencies. Hasibuan et al. (2025) reported that students prefer digital transactions over cash for convenience, while Kusuma (2020) confirmed the significant effect of e-wallet usage on student spending behavior at Raharja University. Wardani et al. (2025) further revealed that e-wallet adoption explains 38% of consumptive behavior among Generation Z students. On a broader scale, Afrizal & Megananda (2025) observed that digital payments foster a shift towards a convenience-driven lifestyle in urban areas efficient but highly susceptible to impulsive purchases and overspending. Collectively, these findings underline the importance of digital financial literacy in ensuring that the benefits of payment efficiency do not escalate into excessive consumerism. 
Co-Authors Ahmad Hafidh Saiful Fikri, Aula Farah Safitri, Dewi Fatikha Ibnu Salma, Fatikha Firna Wardani, Naswa Indra Febrianto Maimun Sholeh Nenden Susilowati Rahma Yunita, Sri