Email this article 
ANALYSIS THE EFFECT USE DIGITAL PAYMENT ON PROBABILITY OF CONSUMPTION UNS STUDENTS
Abstract
This research is to find out whether there is a digital payment that the possibility of student consumption will be increasingly wasteful or become more efficient and choose to save money. The respondents of this study are active students of Universitas Sebelas Maret and have used digital payments in transactions. The number of samples taken in this study were 100 respondents. This research analysis technique uses quantitative methods using logistic regression. The results of this research are that the Income, Savings and Education variables do not have a significant influence on the possibility of consumption patterns in the use of digital payments. Meanwhile, the variables Expenditure, Age and Gender have a significant influence on the possibility of consumption patterns in using digital payments.
Keywords
Full Text:
PDFReferences
Anggriani, I., & Indasari, F. (2018). Analisis Perbedaan Pembelian Impulsif Ditinjau Dari Gender Konsumen Pada Puncak Toserba Bengkulu. Ekombis Review: Jurnal Ekonomi & Bisnis, 6(1). https://doi.org/10.37676/ekombis.v6i1.439
Arango, C., Huynh, K. P., & Sabetti, L. (2015). Consumer payment choice: Merchant card acceptance versus pricing incentives. Journal of Banking and Finance, 55, 130–141. https://doi.org/10.1016/j.jbankfin.2015.02.005.
Bondeson, F., & Lindbom, I. (2018). Customer Loyalty in Mobile Banking-findings from the millennial generation.
DailySocial.id. (2018). Fintech Report 2018. DailySocial.Id. https://dailysocial.id/research/fintech-report-2018
Daulay, D. I., Alfiyanna, G., Anggraeni, I., Sitohang, R. A., & Simatupang, T. (2020). Faktor Penentu Penggunaan Dompet Digital pada Konsumen di Daerah Jabodetabek. Indonesian Business Review, 3(1), 76–102. https://doi.org/10.21632/ibr.3.1.76-102
Deka, P. K. (2020). Intention to use mobile wallet by youths in northeast India. Journal of Management in Practice, 5(1).
Fatmasari, D., Waridin, W., Kurnia, A. S., & Amin, R. (2019). Use of E-Money and Debit Cards in Student Consumption Behavior. The 4th International Conference on Energy, Environment, Epidemiology and Information System (ICENIS 2019), 125(E3S Web Conf.). https://doi.org/10.1051/e3sconf/201
Hawari, A., Adriansyah, B., Simanjuntak, D. G., & Susanto, R. (2020). Faktor-Faktor yang Mempengaruhi Penggunaan Pembayaran Seluler di Jabodetabek. Jurnal Pendidikan Kewirausahaan Indonesia, 3(1), 93–116.
Kerviler, G. d, Demoulin, N. T. M., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334–344. https://doi.org/10.1016/j.jretconser.2016.04.011
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013
Lin, W. R., Lin, C. Y., & Ding, Y. H. (2020). Factors affecting the behavioral intention to adopt mobile payment: An empirical study in Taiwan. Mathematics, 8(10), 1–19. https://doi.org/10.3390/math8101851
Mayasari, E. (2022). Pengaruh Electronic Payment Terhadap Pengeluaran Konsumsi Mahasiswa Universitas Muhammadiyah Palopo. Universitas Muhammadiyah Palopo.
Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion: Is it a boon for savings mobilization? Review of Development Finance, 7(1), 29–35. https://doi.org/10.1016/j.rdf.2017.01.001
Putra, I. M. S. P., & Santika, I. W. S. (2018). Pengaruh Gender, Daya Tarik Promosi, Kepemilikan Kartu Kredit Terhadap Perilaku Pembelian Impulsif Online Produk Lifestyle. E-Jurnal Manajemen Unud, 7(10), 5570–5598.
Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia: Review of Business and Economics Studies, 15(2), 243–258. https://journal.uny.ac.id/index.php/economia
Ramadani, L. (2016). Pengaruh Penggunaan Kartu Debit dan Uang Elektronik (E-Money) Terhadap Pengeluaran Konsumsi Mahasiswa. JESP, 8(1), 1–8.
Rathore, H. S. (2016). Adoption of Digital Wallet by Consumers. BVIMSR’s Journal of Management Research, 8(1), 69–75.
Stella, S., & Sanjaya, R. (2020). Faktor-Faktor Penyebab Tidak Menggunakan Digital Payment (Studi Kasus Pada OVO). Journal of Accounting and Business Studies, 5(1), 90–99.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091. https://doi.org/10.1016/j.dss.2012.10.034
Anggriani, I., & Indasari, F. (2018). Analisis Perbedaan Pembelian Impulsif Ditinjau Dari Gender Konsumen Pada Puncak Toserba Bengkulu. Ekombis Review: Jurnal Ekonomi & Bisnis, 6(1). https://doi.org/10.37676/ekombis.v6i1.439
Arango, C., Huynh, K. P., & Sabetti, L. (2015). Consumer payment choice: Merchant card acceptance versus pricing incentives. Journal of Banking and Finance, 55, 130–141. https://doi.org/10.1016/j.jbankfin.2015.02.005.
Bondeson, F., & Lindbom, I. (2018). Customer Loyalty in Mobile Banking-findings from the millennial generation.
DailySocial.id. (2018). Fintech Report 2018. DailySocial.Id. https://dailysocial.id/research/fintech-report-2018
Daulay, D. I., Alfiyanna, G., Anggraeni, I., Sitohang, R. A., & Simatupang, T. (2020). Faktor Penentu Penggunaan Dompet Digital pada Konsumen di Daerah Jabodetabek. Indonesian Business Review, 3(1), 76–102. https://doi.org/10.21632/ibr.3.1.76-102
Deka, P. K. (2020). Intention to use mobile wallet by youths in northeast India. Journal of Management in Practice, 5(1).
Fatmasari, D., Waridin, W., Kurnia, A. S., & Amin, R. (2019). Use of E-Money and Debit Cards in Student Consumption Behavior. The 4th International Conference on Energy, Environment, Epidemiology and Information System (ICENIS 2019), 125(E3S Web Conf.). https://doi.org/10.1051/e3sconf/201
Hawari, A., Adriansyah, B., Simanjuntak, D. G., & Susanto, R. (2020). Faktor-Faktor yang Mempengaruhi Penggunaan Pembayaran Seluler di Jabodetabek. Jurnal Pendidikan Kewirausahaan Indonesia, 3(1), 93–116.
Kerviler, G. d, Demoulin, N. T. M., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334–344. https://doi.org/10.1016/j.jretconser.2016.04.011
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013
Lin, W. R., Lin, C. Y., & Ding, Y. H. (2020). Factors affecting the behavioral intention to adopt mobile payment: An empirical study in Taiwan. Mathematics, 8(10), 1–19. https://doi.org/10.3390/math8101851
Mayasari, E. (2022). Pengaruh Electronic Payment Terhadap Pengeluaran Konsumsi Mahasiswa Universitas Muhammadiyah Palopo. Universitas Muhammadiyah Palopo.
Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion: Is it a boon for savings mobilization? Review of Development Finance, 7(1), 29–35. https://doi.org/10.1016/j.rdf.2017.01.001
Putra, I. M. S. P., & Santika, I. W. S. (2018). Pengaruh Gender, Daya Tarik Promosi, Kepemilikan Kartu Kredit Terhadap Perilaku Pembelian Impulsif Online Produk Lifestyle. E-Jurnal Manajemen Unud, 7(10), 5570–5598.
Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia: Review of Business and Economics Studies, 15(2), 243–258. https://journal.uny.ac.id/index.php/economia
Ramadani, L. (2016). Pengaruh Penggunaan Kartu Debit dan Uang Elektronik (E-Money) Terhadap Pengeluaran Konsumsi Mahasiswa. JESP, 8(1), 1–8.
Rathore, H. S. (2016). Adoption of Digital Wallet by Consumers. BVIMSR’s Journal of Management Research, 8(1), 69–75.
Stella, S., & Sanjaya, R. (2020). Faktor-Faktor Penyebab Tidak Menggunakan Digital Payment (Studi Kasus Pada OVO). Journal of Accounting and Business Studies, 5(1), 90–99.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091. https://doi.org/10.1016/j.dss.2012.10.034
DOI: https://doi.org/10.20961/jaedc.v8i2.79834
Refbacks
- There are currently no refbacks.
Copyright (c) 2023 Yesskil Sufaha Fiqh, Lukman Hakim, Aranka Ignasiak-Szulc
This work is licensed under a Creative Commons Attribution 4.0 International License.
|
