Pengaruh Digital Financial Literacy dan Intensitas Penggunaan E-Wallet dalam Membentuk Perilaku Konsumtif Mahasiswa di Tangerang
DOI:
https://doi.org/10.58812/jmws.v5i05.3491Kata Kunci:
Literasi Keuangan Digital, Penggunaan Dompet Digital, Perilaku Konsumsi, Teknologi Keuangan, MahasiswaAbstrak
Pertumbuhan pesat teknologi keuangan telah mengubah perilaku konsumen, khususnya di kalangan mahasiswa yang aktif menggunakan sistem pembayaran digital. Studi ini bertujuan untuk meneliti pengaruh Literasi Keuangan Digital dan Frekuensi Penggunaan Dompet Digital terhadap Perilaku Konsumsi Mahasiswa di Tangerang. Pendekatan kuantitatif digunakan dengan menggunakan data survei yang dikumpulkan dari 250 mahasiswa melalui kuesioner yang diukur pada skala Likert lima poin. Data dianalisis menggunakan SPSS versi 25 melalui pengujian validitas dan reliabilitas, pengujian asumsi klasik, regresi linier berganda, dan pengujian hipotesis. Hasil menunjukkan bahwa Literasi Keuangan Digital memiliki pengaruh positif yang signifikan terhadap Perilaku Konsumsi. Demikian pula, Frekuensi Penggunaan Dompet Digital secara signifikan memengaruhi Perilaku Konsumsi. Secara simultan, kedua variabel tersebut secara signifikan memengaruhi Perilaku Konsumsi, dengan nilai R² sebesar 0,590, menunjukkan bahwa 59,0% variasi dalam Perilaku Konsumsi dijelaskan oleh model yang diajukan. Temuan ini menyoroti pentingnya literasi keuangan digital dan penggunaan dompet digital yang bertanggung jawab dalam membentuk perilaku konsumsi mahasiswa di era digital.
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Hak Cipta (c) 2026 Iti Septi, Udin Bahrudin, Anggraini Soemadi, Anggi Prayitno, Ingkak Chintya Wangsih
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