<![CDATA[This study aims to determine and analyze the effect of digital wallets and financial literacy on the consumptive behavior of Accounting students at Universitas Pasir Pengaraian, both partially and simultaneously. This study used a quantitative approach with an explanatory (causal comparative) research design. Data were obtained through questionnaires distributed to 124 active Accounting students of Universitas Pasir Pengaraian in the 2025/2026 even semester, selected from a population of 179 students using the Taro Yamane formula with a proportionate stratified random sampling technique. Data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, the coefficient of determination test, and hypothesis testing (t-test and F-test) using SPSS version 20. The results show that Digital Wallet (X1) has a positive and significant effect on Consumptive Behavior (Y) (Sig. 0.000), Financial Literacy (X2) has no significant effect on Consumptive Behavior (Sig. 0.429), while simultaneously Digital Wallet and Financial Literacy have a significant effect on Consumptive Behavior (Sig. 0.000), contributing 16.1%.]]>
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