<![CDATA[Tujuan Penelitian: Riset ini dilakukan guna mengkaji beberapa variabel yang mampu memengaruhi perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis Universitas Pembangunan Nasional “Veteran” Jawa Timur yang menggunakan e-commerce.Metode Penelitian: Riset ini menerapkan pendekatan kuantitatif dengan populasi berupa seluruh mahasiswa program sarjana di FEB UPN "Veteran" Jawa Timur. Sampel yang digunakan berjumlah 100 responden. Pengumpulan data dilaksanakan dengan menyebarkan instrumen, sementara analisis data dilaksanakan memakai metode Partial Least Square (PLS) dengan asistensi perangkat lunak SmartPLS versi 4.0.Originalitas/Novelty: Pembaruan pada riset ini terletak pada objek penelitian serta waktu penelitian yakni pada tahun 2025.Hasil Penelitian: Hasil penelitian menunjukkan bahwa financial technology payment berpengaruh terhadap perilaku konsumtif mahasiswa FEB UPN “Veteran” Jawa Timur pengguna e-commerce karena didorong oleh kemudahan dan kenyamanan transaksi digital yang meningkatkan intensi belanja impulsif. Sebaliknya, literasi keuangan dan self control tidak berpengaruh karena pemahaman dan pengendalian diri mahasiswa belum cukup untuk menahan pengaruh lain yang lebih dominan seperti, lingkungan sosial, tren digital, dan promosi e-commerce.Implikasi: Hasil riset diharapkan bisa menjadi saran untuk institusi pendidikan agar digunakan sebagai landasan untuk memperkuat implementasi program literasi keuangan dan pengembangan kemampuan kontrol diri melalui integrasi dalam kurikulum agar mahasiswa dapat terhindar dari perilaku konsumtif. Research Objectives: This research’s purpose is to assess several variables that may influence the consumption behavior of students from the Faculty of Economics and Business in Pembangunan Nasional University 'Veteran' East Java who use e-commerce.Research Method: This research applies a quantitative approach with the population being all undergraduate students in the Faculty of Economics and Business at UPN 'Veteran' East Java. The sample used contains of 100 respondents. Data collection was orchestrated through the distribution of questionnaires, while data analysis was performed using the Partial Least Square (PLS) method with the aid of SmartPLS version 4.0 software.Originality/Novelty: The update on this study is the research object and the time of the study used, which is in 2025.Research Results: The result indicate that financial technology payment influences the consumptive behavior of FEB UPN 'Veteran' Jawa Timur students who use e-commerce, driven by the ease and convenience of digital transactions that increase impulsive buying intention. Conversely, financial literacy and self-control have no significant effect, as students' financial understanding and self-regulation are not sufficient to resist more dominant influences such as social environment, digital trends, and e-commerce promotions.Implications: The results of this research are expected to serve as a recommendation for educational institutions to be used as a basis for strengthening the implementation of financial literacy programs and the development of self-control skills through integration into the curriculum, so that students can avoid consumptive behavior.]]>
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