Influence Use Of E-Wallet Against Behavior Compulsive Student

Radya Alvionita Napitupulu (Universitas HKBP Nomensen, Medan, Indonesia)
Elisabeth Br Manik (Universitas HKBP Nomensen, Medan, Indonesia)
Fineti Hulu (Universitas HKBP Nomensen, Medan, Indonesia)
Esteriang Hati Hura (Universitas HKBP Nomensen, Medan, Indonesia)
Hamonangan E Siallagan (Universitas HKBP Nomensen, Medan, Indonesia)

International Journal of Business and Quality Research
Vol. 4 No. 03 (2026): July - September, International Journal of Business and Quality Research (IJBQ

This study aims to determine the effect of using e-wallets on the consumptive behavior of college students. This research uses a quantitative method approach. Data was collected by distributing questionnaires to students who actively use e-wallets such as ShopeePay, GoPay, OVO, or Dana. The data analysis technique used is simple linear regression analysis. The results of the study indicate that the use of e-wallets has a positive and significant effect on student consumptive behavior. The ease of transaction features, promos, and discounts offered by e-wallets trigger impulse buying, which encourages students to behave more consumptively. This study suggests that students should improve their digital financial literacy to control their spending.