Analisis Tingkat Ketergantungan Mahasiswa terhadap Penggunaan Pembayaran Digital dalam Transaksi Harian

Authors

  • Devita Mutiara Putri Universitas Islam Negeri Walisongo Semarang
  • Zahra Nafisah Nurmadiyyah Universitas Islam Negeri Walisongo Semarang
  • Sri Isnani Setiyaningsih Universitas Islam Negeri Walisongo Semarang

DOI:

https://doi.org/10.61722/jrme.v3i3.9725

Keywords:

digital payment, dependency, students, convenience, transaction

Abstract

This study aims to analyze the level of student dependency on digital payment usage in daily transactions. The rapid development of financial technology has significantly transformed payment systems, especially among university students as digital natives. This research applies a quantitative approach using a survey method with 52 student respondents. Data were collected through a Likert-scale questionnaire and analyzed using descriptive statistics. The results show that students demonstrate a high level of usage of digital payments, mainly influenced by convenience, speed, and accessibility. However, psychological dependency is categorized as moderate. These findings indicate that although digital payment usage is high, dependency is not yet critical. Therefore, improving financial literacy is essential to ensure responsible usage.

Author Biographies

Zahra Nafisah Nurmadiyyah, Universitas Islam Negeri Walisongo Semarang

Mahasiswa Program Studi Matematika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Walisongo Semarang

Sri Isnani Setiyaningsih, Universitas Islam Negeri Walisongo Semarang

Dosen Universitas Islam Negeri Walisongo Semarang

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Published

2026-04-25

Issue

Vol. 3 No. 3 (2026): Mei

Section

Articles

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