Pengaruh Pembayaran Non Tunai dan Aplikasi Belanja Online terhadap Perilaku Manajemen Keuangan Studi Kasus Mahasiswa Program Sarjana Program Studi Manajemen Universitas Islam Kadiri
Abstract
Digital transformation in the financial sector has fundamentally reshaped the way individuals, especially university students, manage their personal finances. The widespread use of cashless payment systems such as digital wallets (e-wallets), QRIS, and mobile banking, along with easy access to online shopping platforms like Shopee, Tokopedia, and Lazada, has not only simplified transactions but also significantly influenced consumption patterns. This study aims to examine the influence of cashless payments and online shopping applications on the financial management behavior of students. The research adopts a literature review method by analyzing various relevant academic journals, theses, and scholarly books. Findings reveal that while digital transaction tools enhance efficiency in financial management, they also pose risks of impulsive spending if not accompanied by adequate financial literacy and self-control. Students often exhibit consumer behavior driven by digital promotions, installment facilities, and credit features such as paylater. Therefore, financial literacy and the development of sound financial management habits are crucial to building financially resilient and literate student communities. The study recommends that higher education institutions take a more active role in integrating financial literacy into the academic curriculum and fostering awareness among students to make wise financial decisions in the digital era.)
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Basmantra, I. N., Paranegara, A. A. N. Y. V., & Ridwan, M. (2023). The role of e-wallet use and financial literacy on consumptive behavior in Indonesia. In Proceedings of the International Conference on Business (pp. 357–367). Springer. https://doi.org/10.1007/978-3-031-55911-2_33
Cahyani, D., Suherman, A., & Noor, I. (2024). Pengaruh penggunaan cashless dan online shopping terhadap perilaku konsumtif Gen Z. Economic Review Journal, 6(1), 51–62. https://www.mes-bogor.com/journal/index.php/mrj/article/view/410
Chaidir, T., & Karthika, N. S. (2024). The influence of e-wallet use on consumptive behavior of Mataram city communities moderated by self-control. Eastasouth Journal of Management and Business, 4(1), 45–59. https://esj.eastasouth-institute.com/index.php/esmb/article/view/335
Faiqoh, A. Z. (2025). Persepsi keamanan transaksi e-wallet ShopeePay dan religiusitas terhadap perilaku konsumtif pada pembelian konsumen mahasiswa. Jurnal Ekonomi Syariah dan Konsumen, 7(1), 112–124. https://repository.radenintan.ac.id/37370/
Fasa, M. I., & Maharani, A. (2025). Efektivitas penggunaan e-wallet atau e-money terhadap perilaku konsumtif mahasiswa dalam proses menentukan keputusan pembelian. Jurnal Intelek Insan Cendikia, 5(1), 22–35. https://jicnusantara.com/index.php/jiic/article/view/3157
Gustantio, E. R., & Setiawan, A. (2024). Pengaruh gaya hidup konsumtif, financial literacy, dan persepsi kemudahan bertransaksi terhadap penggunaan e-wallet pada generasi Z. Innovative: Journal of Social Sciences, 4(1), 77–88. https://j-innovative.org/index.php/Innovative/article/view/11417
Haqi, C. A. W., & Trisnaningsih, S. (2025). Minat penggunaan QRIS dan e-wallet serta literasi keuangan terhadap perilaku konsumtif mahasiswa. Proceeding National Conference of Research and Community Service, 1(1), 70–80. https://conference.sinesia.id/ncrcs-sinesia/article/view/70
Helendriani, L., & Hardaningrum, T. W. (2025). The influence of e-wallet usage, lifestyle, and financial literacy on the consumptive behavior of economic education students. Classroom Action Research Journal, 4(1), 70–85. https://journal-fe.um.ac.id/index.php/carjo/article/view/582
Lubis, R. A., Marliyah, M., & Daulay, A. N. (2025). The influence of perceived convenience, security, cashback and Islamic financial behavior on the decision to use the digital wallet “OVO” on Generation Z. JHSS (Journal of Humanities and Social Studies), 7(1), 92–101. https://journal.unpak.ac.id/index.php/jhss/article/view/11447
Maharani, A., & Fasa, M. I. (2025). Efektivitas penggunaan e-wallet atau e-money terhadap perilaku konsumtif mahasiswa dalam proses menentukan keputusan pembelian. Jurnal Intelek Insan Cendekia, 5(1), 22–35. https://jicnusantara.com/index.php/jiic/article/view/3157
Nanda, R. M., & Ranandhea, A. (2025). Analysis of the impact of e-wallet use on Generation Z. IJEBD: International Journal of Economic Behavior and Digitalization, 6(1), 22–34. https://jurnal.narotama.ac.id/index.php/ijebd/article/view/3279
Natswa, S. L. (2023). Gen Z’s cashless behavior: How QRIS moderating digital financial literacy and spending behavior affects on e-wallet utilization? KnE Social Sciences. https://knepublishing.com/index.php/KnE-Social/article/view/15078
Nur, T. (2024). Generation Z’s adoption of e-wallet: Understanding factors and implication for consumptive behavior. 2nd International Conference on Software Engineering and Information Technology. https://ieeexplore.ieee.org/document/10497467
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 dan Perbankan Syariah, 9(3), 21–32. https://journal.unj.ac.id/unj/index.php/jpepa/article/view/31155
Pasaribu, R. D., & Putrantona, F. R. (2024). Analysis of the influence of e-wallet usage, lifestyle, and financial literacy on the consumptive behaviour of Generation Z workers in DKI Jakarta. IJSTM, 5(1), 70–84. https://ijstm.inarah.co.id/index.php/ijstm/article/view/1098
Rahmawati, R., & Goso, G. (2024). Exploring the role of financial literacy in promoting e-wallet use among Gen-Z. ICBENS Conference Proceedings. http://journal.conference.umpalopo.ac.id/index.php/icbens/article/view/186
Rachmawati, E. W., & Maria, N. S. B. (2022). Pengaruh pembayaran non tunai (e-wallet), gaya hidup serta purchase intention terhadap perilaku konsumtif mahasiswa. Jurnal Ekonomi dan Bisnis Undip, 10(2), 89–102. https://repofeb.undip.ac.id/11579/
Rosli, M. S., Saleh, N. S., Md. Ali, A., & Abu Bakar, S. (2023). Factors determining the acceptance of e-wallet among Gen Z from the lens of the extended technology acceptance model. Sustainability, 15(7), 5752. https://www.mdpi.com/2071-1050/15/7/5752
Saputri, I. A. G., Yusuf, A., Hakim, L., & Rohayati, S. (2023). Determination of Generation Z’s intention in using e-wallet for payment transactions. ResearchGate. https://www.researchgate.net/publication/368239332
Sari, Y. D. K., & Khadijah, S. N. (2022). Pengaruh e-wallet dan gaya hidup terhadap spending behavior pada mahasiswa Fakultas Ekonomi Universitas Gresik. Jurnal Penelitian Ekonomi Bisnis, 4(3), 88–100. https://journal.pbnsurabaya.co.id/index.php/jupm/article/view/5
Swardani, N. W. R., & Jatiwardani, K. D. (2025). Financial literacy and usage risk as determinants of fintech payment interest among Generation Z accounting students. Jurnal Maneksi, 4(1), 100–115. https://www.ejournal-polnam.ac.id/index.php/JurnalManeksi/article/view/3010
Zeinab, R. (2025). The influence of fintech e-wallets and self-control on the consumptive behavior of generation Z in Bangkalan. Journal of Practice Learning and Education, 2(1), 44–59. https://digitalpress.gaes-edu.com/index.php/jpled/article/view/472
Chen, H., & Volpe, R. P. (2002). Financial literacy, education, and services. Westport, CT: Greenwood Publishing Group.
Gitman, L. J., & Joehnk, M. D. (2013). Personal financial planning (13th ed.). Boston, MA: Cengage Learning.
Kapoor, J. R., Dlabay, L. R., & Hughes, R. J. (2017). Personal finance (12th ed.). New York, NY: McGraw-Hill Education.
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy: Implications for retirement security and the financial marketplace. Oxford, UK: Oxford University Press.
Mandell, L. (2008). Financial literacy of high school students. In X. B. Chang (Ed.), Handbook of consumer finance research (pp. 163–183). New York, NY: Springer.
Ryan, R. M., & Deci, E. L. (2017). Self-determination theory: Basic psychological needs in motivation, development, and wellness. New York, NY: Guilford Press.
Schindler, J. (2017). Fintech and financial services: Initial considerations. Basel: Bank for International Settlements.
Sugiyono. (2006). Memahami penelitian kualitatif. Bandung: Alfabeta.
Sugiyono. (2007). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: Alfabeta.
Suparmoko. (1995). Metode penelitian praktis. Yogyakarta: BPFE Gadjah Mada.
Sujarweni, V. W. (2015). Metodologi penelitian bisnis dan ekonomi. Yogyakarta: Pustaka Baru Press.
Amalia, L., & Yuneline, M. H. (2023). Analysis of the use of financial technology and financial literacy on financial behavior of students in Bandung City. Proficient: Journal of Financial Research, 3(2), 98–110. http://journal.perbanas.id/index.php/Proficient/article/view/682
Andhyka, B., & Yustisiana, R. (2024). The improvement of financial literacy and digital payment behavior in Generation Z: A literature review. International Journal of Business Technology Management, 2(1), 12–29. https://myjms.mohe.gov.my/index.php/ijbtm/article/view/27299
Anggaretta, D. S. (2025). The influence of social media and e-wallet use on consumptive behavior through lifestyle. Journal of Economic Education and Communication (JEEC), 8(1), 49–60. https://journal.unnes.ac.id/journals/jeec/article/view/25724
Ariani, F., & Susanti, R. (2024). Pengaruh cashless society dan literasi keuangan terhadap perilaku konsumtif Gen Z di Kota Padang. Shar-E: Jurnal Kajian Ekonomi dan Bisnis Islam, 5(1), 31–45. https://journal.iaisambas.ac.id/index.php/Shar-e/article/view/3116
Ariwangsa, I., & Jayanatha, G. B. S. (2023). Pengaruh literasi keuangan dan penggunaan dompet digital terhadap perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis di Kota Denpasar. Jurnal Wawasan Manajemen. https://jwm.ulm.ac.id/id/index.php/jwm/article/download/254/227
Barus, I. S. L., Lasniroha, T., & Bayunitri, B. I. (2024). Navigating the digital financial landscape: The role of financial literacy and digital payment behavior. Journal of Logistics, Informatics and Service Science, 11(7), 120–134. https://www.aasmr.org/liss/Vol.11/No.7/Vol.11.No.7.16.pdf
Basmantra, I. N., Paranegara, A. A. N. Y. V., & Ridwan, M. (2023). The role of e-wallet use and financial literacy on consumptive behavior in Indonesia. In Proceedings of the International Conference on Business (pp. 357–367). Springer. https://doi.org/10.1007/978-3-031-55911-2_33
Cahyani, D., Suherman, A., & Noor, I. (2024). Pengaruh penggunaan cashless dan online shopping terhadap perilaku konsumtif Gen Z. Economic Review Journal, 6(1), 51–62. https://www.mes-bogor.com/journal/index.php/mrj/article/view/410
Chaidir, T., & Karthika, N. S. (2024). The influence of e-wallet use on consumptive behavior of Mataram city communities moderated by self-control. Eastasouth Journal of Management and Business, 4(1), 45–59. https://esj.eastasouth-institute.com/index.php/esmb/article/view/335
Faiqoh, A. Z. (2025). Persepsi keamanan transaksi e-wallet ShopeePay dan religiusitas terhadap perilaku konsumtif pada pembelian konsumen mahasiswa. Jurnal Ekonomi Syariah dan Konsumen, 7(1), 112–124. https://repository.radenintan.ac.id/37370/
Fasa, M. I., & Maharani, A. (2025). Efektivitas penggunaan e-wallet atau e-money terhadap perilaku konsumtif mahasiswa dalam proses menentukan keputusan pembelian. Jurnal Intelek Insan Cendikia, 5(1), 22–35. https://jicnusantara.com/index.php/jiic/article/view/3157
Gustantio, E. R., & Setiawan, A. (2024). Pengaruh gaya hidup konsumtif, financial literacy, dan persepsi kemudahan bertransaksi terhadap penggunaan e-wallet pada generasi Z. Innovative: Journal of Social Sciences, 4(1), 77–88. https://j-innovative.org/index.php/Innovative/article/view/11417
Haqi, C. A. W., & Trisnaningsih, S. (2025). Minat penggunaan QRIS dan e-wallet serta literasi keuangan terhadap perilaku konsumtif mahasiswa. Proceeding National Conference of Research and Community Service, 1(1), 70–80. https://conference.sinesia.id/ncrcs-sinesia/article/view/70
Helendriani, L., & Hardaningrum, T. W. (2025). The influence of e-wallet usage, lifestyle, and financial literacy on the consumptive behavior of economic education students. Classroom Action Research Journal, 4(1), 70–85. https://journal-fe.um.ac.id/index.php/carjo/article/view/582
Lubis, R. A., Marliyah, M., & Daulay, A. N. (2025). The influence of perceived convenience, security, cashback and Islamic financial behavior on the decision to use the digital wallet “OVO” on Generation Z. JHSS (Journal of Humanities and Social Studies), 7(1), 92–101. https://journal.unpak.ac.id/index.php/jhss/article/view/11447
Maharani, A., & Fasa, M. I. (2025). Efektivitas penggunaan e-wallet atau e-money terhadap perilaku konsumtif mahasiswa dalam proses menentukan keputusan pembelian. Jurnal Intelek Insan Cendekia, 5(1), 22–35. https://jicnusantara.com/index.php/jiic/article/view/3157
Nanda, R. M., & Ranandhea, A. (2025). Analysis of the impact of e-wallet use on Generation Z. IJEBD: International Journal of Economic Behavior and Digitalization, 6(1), 22–34. https://jurnal.narotama.ac.id/index.php/ijebd/article/view/3279
Natswa, S. L. (2023). Gen Z’s cashless behavior: How QRIS moderating digital financial literacy and spending behavior affects on e-wallet utilization? KnE Social Sciences. https://knepublishing.com/index.php/KnE-Social/article/view/15078
Nur, T. (2024). Generation Z’s adoption of e-wallet: Understanding factors and implication for consumptive behavior. 2nd International Conference on Software Engineering and Information Technology. https://ieeexplore.ieee.org/document/10497467
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 dan Perbankan Syariah, 9(3), 21–32. https://journal.unj.ac.id/unj/index.php/jpepa/article/view/31155
Pasaribu, R. D., & Putrantona, F. R. (2024). Analysis of the influence of e-wallet usage, lifestyle, and financial literacy on the consumptive behaviour of Generation Z workers in DKI Jakarta. IJSTM, 5(1), 70–84. https://ijstm.inarah.co.id/index.php/ijstm/article/view/1098
Rahmawati, R., & Goso, G. (2024). Exploring the role of financial literacy in promoting e-wallet use among Gen-Z. ICBENS Conference Proceedings. http://journal.conference.umpalopo.ac.id/index.php/icbens/article/view/186
Rachmawati, E. W., & Maria, N. S. B. (2022). Pengaruh pembayaran non tunai (e-wallet), gaya hidup serta purchase intention terhadap perilaku konsumtif mahasiswa. Jurnal Ekonomi dan Bisnis Undip, 10(2), 89–102. https://repofeb.undip.ac.id/11579/
Rosli, M. S., Saleh, N. S., Md. Ali, A., & Abu Bakar, S. (2023). Factors determining the acceptance of e-wallet among Gen Z from the lens of the extended technology acceptance model. Sustainability, 15(7), 5752. https://www.mdpi.com/2071-1050/15/7/5752
Saputri, I. A. G., Yusuf, A., Hakim, L., & Rohayati, S. (2023). Determination of Generation Z’s intention in using e-wallet for payment transactions. ResearchGate. https://www.researchgate.net/publication/368239332
Sari, Y. D. K., & Khadijah, S. N. (2022). Pengaruh e-wallet dan gaya hidup terhadap spending behavior pada mahasiswa Fakultas Ekonomi Universitas Gresik. Jurnal Penelitian Ekonomi Bisnis, 4(3), 88–100. https://journal.pbnsurabaya.co.id/index.php/jupm/article/view/5
Swardani, N. W. R., & Jatiwardani, K. D. (2025). Financial literacy and usage risk as determinants of fintech payment interest among Generation Z accounting students. Jurnal Maneksi, 4(1), 100–115. https://www.ejournal-polnam.ac.id/index.php/JurnalManeksi/article/view/3010
Zeinab, R. (2025). The influence of fintech e-wallets and self-control on the consumptive behavior of generation Z in Bangkalan. Journal of Practice Learning and Education, 2(1), 44–59. https://digitalpress.gaes-edu.com/index.php/jpled/article/view/472
Published
2023-12-16
How to Cite
SUKMA, Dyah Ayu; ARISYAHIDIN, Arisyahidin; HASTUTI, Sri Wahyuni Mega.
Pengaruh Pembayaran Non Tunai dan Aplikasi Belanja Online terhadap Perilaku Manajemen Keuangan Studi Kasus Mahasiswa Program Sarjana Program Studi Manajemen Universitas Islam Kadiri.
REVITALISASI : Jurnal Ilmu Manajemen, [S.l.], v. 12, n. 2, p. 464-480, dec. 2023.
ISSN 2657-1684.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/Revitalisasi/article/view/4647>. Date accessed: 04 feb. 2026.
doi: https://doi.org/10.32503/revitalisasi.v12i2.4647.
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License
