PENGARUH DIGITAL PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS ABDUL AZIS LAMADJIDO

Abstract

This study aims to determine the influence of Digital Payments and Fi nancial Literacy on Consumptive Behavior. This study uses a quantitative approach with descriptive methods. The subjects were 74 students at the Faculty of Economics and Business, Abdul Azis Lamadjido University, se lected using a purposive sampling technique. The collected data were an alyzed using multiple regression analysis using the Statistical Package for Social Sciences (SPSS) 25.0 for Windows. The results of the study show that: (1) There is a significant influence of Digital Payment on the consumer behavior of students of the Faculty of Economics and Business, Abdul Azis Lamadjido University in a positive direction, (2) There is a sig nificant influence of Financial Literacy on the consumer behavior of stu dents of Abdul Azis Lamadjido University in a positive direction, (3) There is a simultaneous influence of Digital Payment, Financial Literacy on con sumer behavior in students of the Faculty of Economics and Business, Abdul Azis Lamadjido University, with the R Square (R2) coefficient value obtained of 0.907 or 90.7%. which means that the study has a joint con tribution while 9.3% is influenced by other variables not examined in this study.

Keywords: Digital Payment, Financial Literacy and Consumer Behavior