<![CDATA[This study examines Generation Z’s spending trends regarding the use of digital wallets as a result of advancements in financial technology among students at the Faculty of Economics and Business, Jenderal Soedirman University. The objective is to understand how the use of e-wallets influences students’ spending patterns, both in terms of transaction convenience and its impact on their consumption behavior. With rapid technological development, digital wallets have become a solution that helps people conduct transactions in a more efficient, faster, and easier way. The findings of this study indicate that the use of digital wallets simplifies the transaction process and increases the frequency of purchases, which can foster consumptive behavior. Promotional factors such as discounts and cashback, as well as the influence of the social environment, also reinforce the tendency toward excessive consumption. Furthermore, this study reveals that some students are able to manage their expenses due to good financial management, while others still struggle to control their consumerist behavior. Therefore, it is important to enhance awareness and skills in financial management so that the use of digital wallets does not lead to negative consequences. It is hoped that this study can provide a useful perspective for students to use their e-wallets more wisely.]]>
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