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All Journal Akuntansi'45 Jurnal Manajemen, Bisnis dan Kewirausahaan
Dianing Widya Kusumastuti
Sekolah Tinggi Ilmu Ekonomi Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Lingkungan Sosial dan Digital Payment terhadap Pengelolaan Keuangan Mahasiswa STIE Surakarta Jesisca Amanda Prihana; Dianing Widya Kusumastuti
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Desember : Jurnal Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i3.6036

Abstract

The development of digital technology has revolutionized the way people conduct transactions, including university students. Digital payment, as one of the most widely used innovations, enables cashless transactions through e-wallet applications that provide convenience, promotions, and cashback. Beyond technology, the social environment also plays a crucial role in students’ financial management, as peers, families, and communities can influence spending behavior. This study aims to analyze the influence of digital payment and social environment on the financial management of STIE Surakarta students. The research employed a quantitative method with a survey approach. The sample consisted of students who actively use digital payment, and data were collected through questionnaires. Multiple linear regression analysis was applied to examine the effect of each variable on financial management. The findings reveal that both digital payment and social environment have a positive and significant effect on students’ financial management. This indicates that students are not only motivated by the convenience of digital transactions but also by social interactions that shape spending behavior and financial management. The use of digital payment combined with social awareness helps students budget expenses, monitor income, and reduce wasteful behavior. In conclusion, understanding how digital payment is utilized and how it is influenced by the social environment can support students in creating more effective budgets, maintaining income records, and improving personal financial control. Furthermore, the results of this study provide valuable insights for digital payment providers in developing programs that assist students in managing their finances.
Pengaruh Persepsi Kemudahan, Risiko, dan Iklan terhadap Minat Gen Z Boyolali dalam Menggunakan Dompet Digital Hilma Agustina; Dianing Widya Kusumastuti
AKUNTANSI 45 Vol. 6 No. 2 (2025): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v6i2.5204

Abstract

The objective of this research is to examine how perceived ease of use, perceived risk, and advertising appeal impact the willingness of Generation Z individuals in Boyolali Regency to adopt digital wallets. The investigation stems from the swift expansion of digital financial innovations among youthful consumers, who demonstrate strong technological adaptability but remain wary of issues related to data protection and transactional uncertainties. Employing a quantitative explanatory approach, the study gathered primary information via an internet-based questionnaire utilizing a Likert scale, administered to 100 participants chosen via purposive sampling. Analytical procedures encompassed assessments of validity, reliability, classical assumption checks, and multiple linear regression analysis conducted with SPSS version 25. Findings indicate that perceived ease of use and advertising appeal exert positive and substantial influences on the inclination to utilize digital wallets, while perceived risk demonstrates a negative and noteworthy impact. These outcomes bolster the Theory of Planned Behavior by underscoring the significance of cognitive and emotional elements in molding attitudes toward embracing digital financial solutions. In practical terms, the research stresses the necessity of crafting intuitive interfaces, bolstering protective measures, and deploying innovative promotional tactics tailored to the traits of Generation Z to boost the uptake of digital wallets in semi-urban settings
Co-Authors Hilma Agustina Jesisca Amanda Prihana