The Influence of Digital Wallet Application Usage and Digital Financial Literacy on Students Consumptive Behavior
Annisa Savira (1)*, Maulid Handayani (1), Putri Zalsabila Irni (1), Sri Wanti (2)

1. Student of Management Undergraduate Study Program, Faculty of Economic and Business, Tadulako University
2. Lecturer of Management Undergraduate Study Program, Faculty of Economic and Business, Tadulako University

Abstract

This study aims to analyze the influence of digital wallet application usage and digital financial literacy on the consumptive behavior of students at the Faculty of Economics and Business (FEB) at Universitas Tadulako. In the rapidly evolving digital era, the use of digital wallets has significantly increased, especially among younger generations, which may impact their spending patterns. Additionally, digital financial literacy is considered an important factor in managing personal finances and consumptive behavior. This research adopts a quantitative approach by distributing questionnaires to FEB UNTAD students as respondents. The collected data will be analyzed using multiple linear regression to determine the influence of each independent variable (digital wallet usage and digital financial literacy) on the dependent variable (consumptive behavior). The results of this study are expected to provide insights into the extent to which the use of digital wallet applications contributes to student consumption levels, and whether digital financial literacy can act as a balancing factor in controlling such consumptive behavior. These findings may assist educational institutions in designing more effective financial literacy programs for students in the digital era.

Keywords: digital wallet, digital financial literacy, consumptive behavior, students, Universitas Tadulako

Topic: E-Commerce and Digital Economy