Pengaruh Penggunaan Dompet Digital Terhadap Perubahan Perilaku Konsumtif di Era Post-Industrial
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Abstract
The development of digital technology in the post-industrial era has increased the use of digital wallets as a practical and efficient payment method. This study aims to examine the effect of digital wallet usage on the consumptive behavior of students at UIN Alauddin Makassar. This research employed a quantitative approach with a causal research design. Data were collected through an online questionnaire distributed to students who use digital wallets and were selected using a purposive sampling technique. The data were analyzed using simple linear regression with the support of SPSS software. The analysis included validity and reliability tests, classical assumption tests, hypothesis testing, and coefficient of determination analysis. The results indicate that digital wallet usage has a positive and significant effect on students’ consumptive behavior. Greater use of digital wallets is associated with a stronger tendency toward consumptive behavior among students. Therefore, students are expected to use digital wallets more wisely and improve their financial literacy in order to manage their finances responsibly.
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