Pengaruh E-wallet Terhadap Perilaku Konsumtif Generasi Z di Kalangan Mahasiswa

Authors

  • Putri Kesuma Wardani Universitas Islam Negeri Sumatera Utara
  • Irwan Padli Nasution Universitas Islam Negeri Sumatera Utara
  • Suci Sundari Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.61722/jirs.v2i2.5651

Keywords:

E-Wallet, Consumptive, Generation Z

Abstract

The use of e-wallets can increase consumptive behavior in Gen Z students because of the ease of transactions and promotions offered. E-wallets make shopping easier and more impulsive, increasing the possibility of unplanned spending. The development of digital technology has encouraged the ease of non-cash transactions through various e-wallet platforms such as OVO, DANA, GOPAY, SHOPEEPAY and others. Generation Z as a modern digital generation is an active user of this service, which is suspected to affect their consumption patterns. This study uses a quantitative approach with a survey method on students using e-wallets. The data was analyzed using regression techniques to see the relationship between the intensity of e-wallet use and the level of consumptive behavior.

References

Putri, A. R., & Susanti, A. (2022). Pengaruh E-Commerce, Sosial Media, Dan Kepercayaan Konsumen Terhadap Minat Beli Pada Aplikasi Belanja Shopee. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 13(01), 20–33. https://doi.org/10.21009/jrmsi.013.1.02

Ramadhani, S., Rahayu, A. P., Fitriani, D., Naibaho, A. W., & Thohiri, R. (2025). Pengaruh Penggunaan E-Wallet terhadap Pola Konsumsi Masyarakat Kota Medan di Era Digital. 3(4), 2318–2328.

Safitri, A. G., Adeati, D., Azzahro, A., & Habibah Al Ihsani, R. (2022). Pengaruh E-Wallet terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Semarang. Jurnal Potensial, 1(1), 45–54. http://jurnalilmiah.org/journal/index.php/potensial

Subaramaniam, K., Kolandaisamy, R., Jalil, A. Bin, & Kolandaisamy, I. (2020). The impact of E-Wallets for current generation. Journal of Advanced Research in Dynamical and Control Systems, 12(1 Special Issue), 751–759. https://doi.org/10.5373/JARDCS/V12SP1/20201126

Swastika, Y., Hamid, N., & Rabbani, I. A. (2024). Penggunaan E-Wallet Sebagai Alat Pembayaran: Peluang dan Tantangan. Derivatif : Jurnal Manajemen, 18(1), 1–11.

Downloads

Published

2025-07-01

Issue

Vol. 2 No. 2 (2025): September

Section

Articles

License

Copyright (c) 2025 JURNAL ILMIAH RESEARCH STUDENT

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.