<![CDATA[This study aims to investigate the link between students' willingness to utilize electronic wallets at Muria Kudus University's Faculty of Economics and Business and their financial literacy, income, lifestyle choices, and self-control. In this study, the research team employed a quantitative technique by administering a survey to 150 randomly selected individuals. IBM SPSS Statistics 29 was utilized to assess the data using multiple linear regression. The findings show that lifestyle and wealth have a favorable and significant impact on students' willingness to use e-wallets, while self-control and financial understanding have little effect. At the same time, students' income, lifestyle, degree of financial understanding, and self-control all have a significant impact on their desire to use e-wallets. The findings demonstrate that students' lifestyle and financial capacity have a greater impact on their inclination to use e-wallets than do their financial literacy and self-control. The findings are not applicable to the general population because this study only included individuals from the Faculty of Economics and Business at Muria Kudus University. Future research should include more variables and a more diverse sample of respondents to better understand the factors influencing students' propensity to use e-wallets.]]>
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