Tren Konsumsi Mahasiswa di Era Dompet Digital melalui Integrasi Model TAM dan UTAUT
-
Andrew Ridow Johanis M
*
Universitas Dipa Makassar, Makassar,
Indonesia
- Nurdiana Nurdiana Universitas Dipa Makassar, Makassar, Indonesia
- Muh Nurhidayat Sugiantoro Universitas Dipa Makassar, Makassar, Indonesia
- Sampurna Budi Wongso Universitas Dipa Makassar, Makassar, Indonesia (*) Corresponding Author
Abstract
The development of financial technology has transformed consumption patterns among young generations, particularly students as early adopters of digital wallets. This study aims to analyze factors influencing student consumption trends in the digital wallet era by integrating Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). Using a quantitative approach with cross-sectional design, data were collected from 63 students at Universitas Dipa Makassar through online surveys. Multiple regression analysis revealed Perceived Usefulness as the most dominant predictor (β = 0.463) of digital wallet usage preferences, demonstrating 64.7% predictive capability. The findings confirm the significant mediating role of Usage Preference in the relationship between technology adoption factors and consumption pattern changes, explaining 52.1% of behavioral variance. GoPay's market dominance with an 82.5% adoption rate reflects strong network effects within Indonesia's digital payment ecosystem. Despite the existence of an intention-behavior gap, this study provides strategic insights for digital wallet service providers and policymakers in optimizing adoption strategies that are responsive to digitally native generation characteristics.
Downloads
References
Abdillah, R., Adinugraha, H. H., & Shulthoni, M. (2024). Perilaku Konsumtif dan Media Sosial Gen Z terhadap Minat Menabung di Dompet Digital. JEBISKU: Jurnal Ekonomi dan Bisnis Islam IAIN Kudus, 2(4), Article 4. https://doi.org/10.21043/jebisku.v2i4.3826
ALSYUKRI, M. R. (2021). PENGARUH KEMUDAHAN, GAYA HIDUP DAN PERILAKU KONSUMTIF TERHADAP KEPUTUSAN PENGGUNAAN E-WALLET SELAMA MASA PANDEMI COVID-19 [Undergraduate, STIE Malangkucecwara]. https://repository.stie-mce.ac.id
Anggorowati, A., & Sari, D. E. (2024). The Effect of Digital Payment and E-Service Quality on Consumptive Behavior among Shopee Users. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(1), 973–987. https://doi.org/10.31538/iijse.v7i1.4405
Azwar, S. (2016). RELIABILITAS DAN VALIDITAS AITEM. Buletin Psikologi, 3(1), Article 1. https://doi.org/10.22146/bpsi.13381
Azzahra, K., & Aulia, R. N. (2024). The Relationship Between Digital Wallets and the Increase in Consumptive Behaviour of X University Students in Bandung City. International Journal Administration, Business & Organization, 5(5), 51–63. https://doi.org/10.61242/ijabo.24.438
Baron, R. M., & Kenny, D. A. (1986). The moderator-mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. Journal of Personality and Social Psychology, 51(6), 1173–1182. https://doi.org/10.1037//0022-3514.51.6.1173
Basmantra, I. N., Paranegara, A. A. N. Y. V., & Candra, S. (2024). The Role of E-Wallet Use and Financial Literacy on Consumptive Behavior in Indonesia. In B. Alareeni & A. Hamdan (Eds.), Technology and Business Model Innovation: Challenges and Opportunities (pp. 346–356). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-55911-2_33
Chandra, S. A., Wismiarsi, T., & Prayitno, S. B. (2024). An Analysis of Indonesian Gen-Z in Using E-wallet and Its Impact on Impulsive Buying. Journal on Education, 7(1), 3989–4003. https://doi.org/10.31004/joe.v7i1.7000
Che Nawi, N., Mamun, A. A., Hayat, N., & Seduram, L. (2022). Promoting Sustainable Financial Services Through the Adoption of eWallet Among Malaysian Working Adults. Sage Open, 12(1), 21582440211071107. https://doi.org/10.1177/21582440211071107
Creswell, J. W., & Creswell, J. D. (2022). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. SAGE Publications.
Daffa, A., Nabillla, H. T., & Ulya, R. (2024). Analisis Perkembangan Teknologi Pemakaian Cashless pada Gen Z dikalangan Mahasiswa Surabaya Selatan. Prosiding Seminar Nasional Ilmu Ilmu Sosial (SNIIS), 3, 824–840.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Fathoni, M. S. (2024). PENGARUH PENGGUNAAN DOMPET DIGITAL TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA UIN SUNAN KALIJAGA YOGYAKARTA [Skripsi, UIN SUNAN KALIJAGA YOGYAKARTA]. https://digilib.uin-suka.ac.id/id/eprint/66998/
Islami, M. L. N., & Rafik, A. (2023). Determinan Penggunaan Dompet Digital di Kalangan Mahasiswa. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 2(3), Article 3.
Juangga, E., & Astuti, D. (2025). Evaluasi Strategi Aliansi Bisnis Gojek dan Tokopedia dari Perspektif Manajemen Strategik. Journal of Business Economics and Management | E-ISSN : 3063-8968, 1(4), 1038–1042.
KHARISMA, N. (2022). Analisis Faktor-Faktor yang Mempengaruhi Permintaan Penggunaan Dompet Digital Sebagai Alat Pembayaran Non Tunai Mahasiswa Universitas Jambi [Other, UNIVERSITAS JAMBI]. https://repository.unja.ac.id/
Lubis, R. H. (2022). Penggunaan Dompet Digital dan Wallet Terhadap Budaya Konsumtif pada Masyarakat di Kota Tangerang Serta Pandangan Syariah Tentang Etika Konsumsi. Al-Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah, 14(01), 1–10. https://doi.org/10.59833/altasyree.v14i01.710
Lusardi, A., & Mitchell, O. S. (2023). The Importance of Financial Literacy: Opening a New Field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137
Manurung, R. A., Nasution, M. L. I., & Nurbaiti. (2023). ANALISIS PENGARUH PENGGUNAAN DOMPET DIGITAL TERHADAP MENTAL ACCOUNTING DAN TINGKAT KEPUASAN PADA MASYARAKAT DI SUMATERA UTARA. OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi, 7(2), Article 2. https://doi.org/10.23969/oikos.v7i2.7603
Mukarramah, H. (2023). PENGARUH DOMPET DIGITAL (E-WALLET) TERHADAP MINAT BELI KONSUMEN (STUDI KASUS PADA MASYARAKAT MILENIAL DI JAKARTA) [masterThesis, FAKULTAS EKONOMI DAN BISNIS UIN JAKARTA]. https://repository.uinjkt.ac.id/dspace/handle/123456789/73436
Nugroho, & Bayu, M. K. A. A. (2024). Pengaruh Penggunaan Uang Elektronik (E- money) Terhadap Perilaku Konsumtif Generasi Muda Kota Magelang. //slims.stiebankbpdjateng.ac.id%2Fslims%2Findex.php%3Fp%3Dshow_detail%26id%3D18753%26keywords%3D
Nuratika, O., Mukhtar, S., & Wiralaga, H. K. (2022). THE EFFECT OF USING DIGITAL WALLETS AND FINANCIAL LITERACY ON CONSUMPTIVE BEHAVIOR OF STUDENTS IN DKI JAKARTA. Jurnal Pendidikan Ekonomi, Perkantoran, Dan Akuntansi, 3(3), 257–268. https://doi.org/10.21009/jpepa.0303.24
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144
Rangkuty, D. M. (2021). Apakah Penggunaan E-wallet Masa Pandemi Covid-19 Semakin Meningkat di Indonesia? UNUSIA CONFERENCE, 1(1), Article 1.
Rogers, E. M. (2003). Diffusion of Innovations, 5th Edition. Simon and Schuster.
Senyo, P. K., Gozman, D., Karanasios, S., Dacre, N., & Baba, M. (2023). Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech. Information Systems Journal, 33(1), 154–184. https://doi.org/10.1111/isj.12403
Sumilih, D. A., Pujiriyani, D. W., Jaya, A., Ras, A., Subiyantoro, A., Rianty, E., Rachmaningtyas, N. A., & Mesya, M. (2025). Metode Penelitian Kuantitatif. PT. Star Digital Publishing, Yogyakarta-Indonesia.
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). PERKEMBANGAN SISTEM PEMBAYARAN DIGITAL PADA ERA REVOLUSI INDUSTRI 4.0 DI INDONESIA. JURNAL AL-QARDH, 4(1), 60–75. https://doi.org/10.23971/jaq.v4i1.1442
Timotius, K. H. (2017). Pengantar Metodologi Penelitian: Pendekatan Manajemen Pengetahuan untuk Perkembangan Pengetahuan. Penerbit Andi.
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540
Wiani, S. P. (2020). Preferensi Entrepreneur Dalam Menggunakan Alat Pembayaran (Studi Kasus Di Kota Bengkulu) [Other, IAIN Bengkulu]. http://repository.iainbengkulu.ac.id/6399/
Xue, L., Rashid, A. M., & Ouyang, S. (2024). The Unified Theory of Acceptance and Use of Technology (UTAUT) in Higher Education: A Systematic Review. Sage Open, 14(1), 21582440241229570. https://doi.org/10.1177/21582440241229570
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Tren Konsumsi Mahasiswa di Era Dompet Digital melalui Integrasi Model TAM dan UTAUT
Pages: 1027-1036
Copyright (c) 2025 Andrew Ridow Johanis M, Nurdiana Nurdiana, Muh Nurhidayat Sugiantoro, Sampurna Budi Wongso
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
