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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Alvianingrum, Silvi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Kontrol Diri Memoderasi Pengaruh Fasilitas E-Wallet dan Gaya Hidup Terhadap Perilaku Konsumtif Gen Z Alvianingrum, Silvi; Putu Mahyuni, Luh
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11137

Abstract

Broad access to the internet, social media, and digital financial services has made e-wallets and paylater increasingly embedded in everyday life. Transaction convenience and aggressive promotions drive consumptive behavior, especially among Gen Z, while previous studies on the influence of e-wallet usage and lifestyle on consumptive behavior have shown inconsistent findings. This study aims to analyze the effect of e-wallet usage and lifestyle on the consumptive behavior of Generation Z, with self-control as a moderating variable. The research method employed is a quantitative approach using surveys and SEM analysis on Gen Z respondents.The findings are expected to provide a comprehensive understanding of the role of digital financial technology and psychological factors in shaping young people’s consumption behavior. Furthermore, this study can serve as input for digital service providers and policymakers to encourage healthier and more sustainable consumption behavior.
Kontrol Diri Memoderasi Pengaruh Fasilitas E-Wallet dan Gaya Hidup Terhadap Perilaku Konsumtif Gen Z Alvianingrum, Silvi; Putu Mahyuni, Luh
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11137

Abstract

Broad access to the internet, social media, and digital financial services has made e-wallets and paylater increasingly embedded in everyday life. Transaction convenience and aggressive promotions drive consumptive behavior, especially among Gen Z, while previous studies on the influence of e-wallet usage and lifestyle on consumptive behavior have shown inconsistent findings. This study aims to analyze the effect of e-wallet usage and lifestyle on the consumptive behavior of Generation Z, with self-control as a moderating variable. The research method employed is a quantitative approach using surveys and SEM analysis on Gen Z respondents.The findings are expected to provide a comprehensive understanding of the role of digital financial technology and psychological factors in shaping young people’s consumption behavior. Furthermore, this study can serve as input for digital service providers and policymakers to encourage healthier and more sustainable consumption behavior.
Co-Authors Mahyuni, Luh Putu