Pengaruh Cashless Society Dan E-Wallet Terhadap Perilaku Konsumtif Mahasiswa
-
Restu Aulia Rahmi
*
Universitas Mohammad Natsir Bukittinggi, Bukittinggi,
Indonesia
- Dwila Maresti Universitas Mohammad Natsir Bukittinggi, Bukittinggi, Indonesia
- Syarifah Zuhra Universitas Mohammad Natsir Bukittinggi, Bukittinggi, Indonesia (*) Corresponding Author
Abstract
This study aims to analyze the influence of cashless society and e-wallets on the consumptive behavior of students at Mohammad Natsir University Bukittinggi. The research method used a quantitative approach with a survey technique on 70 respondents selected by purposive sampling. Data were analyzed using validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results show that e-wallets have a positive and significant effect on consumptive behavior (β = 1.059; p = 0.000), while cashless society shows a significant negative influence (β = -0.306; p = 0.008). Simultaneously, both variables explain 69.8% of the variation in consumptive behavior (Adj. R² = 0.698). These findings indicate that e-wallet features such as cashback and ease of transaction are the main triggers of consumptive behavior, while a comprehensive understanding of the cashless system can act as a controller. This study recommends the importance of digital financial literacy and more responsible e-wallet design.
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