The Influence of Cashless Society, Lifestyle, and Financial Literacy on the Consumptive Behavior of Students in Kediri City

Friska Resty Fandya (Universitas Kadiri)
Angga Rizka Lidiawan (Universitas Kadiri)
Dita Riyanto Putro (Universitas Kadiri)

Journal of Economics and Social Sciences
Vol. 5 No. 2 (2026)

The purpose of this study is to examine and evaluate how a cashless society, lifestyle, and financial literacy affect Kediri City students' purchasing habits. Using an explanatory design and a quantitative research approach, the population consisted of Kediri City university students who regularly use non-cash payment methods. Purposive sampling, a non-probability sampling approach, was used, resulting in a sample size of 100 respondents. Likert scale-based questionnaires were used to collect data. With the use of the SmartPLS software, SEM-PLS analysis was used to test hypotheses. The findings indicate that “the concept of a Cashless Society exerts a positive and statistically significant influence on student consumer behavior”. Similarly, Lifestyle demonstrates a significant and positive effect, while Financial Literacy also significantly impacts consumer behavior among students in Kediri City.