Pengaruh Financial Technology Penggunaan E-Wallet dan QRIS Terhadap Perilaku Konsumtif Gen Z di Kota Mataram

Ida Ayu Wayan Sudesni Netiliani (Institut Agama Hindu Negeri Gde Pudja Mataram)
Ni Luh Putu Anom Pancawati (Institut Agama Hindu Negeri Gde Pudja Mataram)
Ida Ayu Nyoman Widia Laksmi (Institut Agama Hindu Negeri Gde Pudja Mataram)

Jejak digital: Jurnal Ilmiah Multidisiplin
Vol. 2 No. 4 (2026): JUNI-JULI

This study aims to analyze the effect of Fintech E-Wallet and QRIS usage on the consumptive behavior of Generation Z in Mataram City. This research employed a quantitative approach with a sample of 100 respondents selected through purposive sampling. Data were analyzed using validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, and F-test. The results indicate that: (1) the use of Fintech E-Wallet has a significant effect on the consumptive behavior of Generation Z in Mataram City; (2) the use of QRIS does not have a significant effect on the consumptive behavior of Generation Z in Mataram City; and (3) simultaneously, Fintech E-Wallet and QRIS have a significant effect on the consumptive behavior of Generation Z in Mataram City. The coefficient of determination shows that 18% of the variation in consumptive behavior can be explained by the two variables, while the remaining 82% is influenced by other factors outside the scope of this study.