The Influence of E-wallet Usage, Lifestyle, and Financial Literacy on The Consumptive Behavior of Economic Education Students

Abstract

The purpose of this study is to determine the impact of e-wallets, lifestyle, and financial literacy on the consumptive behavior of Economics Education students at State University of Malang Class of 2022. The research method used was explanatory quantitative. The sample size was 113 out of 157 students in Economic Education Economics Education at the State University of Malang, as determined by the Slovin formula. A questionnaire and test were used to collect the data. The data was analyzed using the classical assumption test, multiple regression analysis, and hypothesis testing (t test and F test) in SPSS 27.0 for Windows. The analysis yielded the following results: 1) The use of digital wallets partially affects the consumptive behavior of Economics Education Students Class of 2022 State University of Malang, 2) Lifestyle partially affects the consumptive behavior of Economics Education Students Class of 2022 State University of Malang, 3) Financial literacy partially has no effect on the consumptive behavior of Economics Education Students Class of 2022 State University of Malang, 4) The use of digital wallets, lifestyle and financial literacy simultaneously affect the consumptive behavior of Economics Education Students Class of 2022 State University of Malang