Promo Dompet Digital dan Israf Mahasiswa: Analisis Perilaku Konsumtif Generasi Z
Promo Dompet Digital dan Israf Mahasiswa: Analisis Perilaku Konsumtif Generasi Z
Abstract
The use of digital wallets among students is growing rapidly and provides ease of transactions, but it also triggers consumptive behavior. This study aims to analyze the consumptive behavior of students using digital wallets in Kendal Regency and review it from the perspective of sharia economics. The research approach used is qualitative descriptive with interview and questionnaire methods. The data was analyzed using inductive techniques through the stages of collection, reduction, and interpretation. The results showed that 82% of college students have consumptive tendencies, characterized by impulse purchases, the use of promotions without considering needs, and the use of digital wallets for non-priority consumption. Environmental, lifestyle, psychological, and friendship factors have been shown to encourage this behavior. Sharia economic analysis confirms that this behavior is contrary to the principles of proportionality, responsibility, and the prohibition of israf (excess) and tabdzir (waste). This study recommends Islamic financial literacy and Islamic value-based education as an effort to reduce student consumptive behavior. These findings make a theoretical contribution to the study of digital financial behavior and practical implications for universities, society, and financial regulators.
References
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Alam, Md. M., Awawdeh, A. E., & Muhamad, A. I. Bin. (2021). RETRACTED: Using e-wallet for business process development: challenges and prospects in Malaysia. Business Process Management Journal, 27(4), 1142–1162. https://doi.org/10.1108/BPMJ-11-2020-0528
Al-Emran, M., & Griffy-Brown, C. (2023). The role of technology adoption in sustainable development: Overview, opportunities, challenges, and future research agendas. Technology in Society, 73, 102240. https://doi.org/10.1016/j.techsoc.2023.102240
Azmin Shompa, Z., Akbar, M. A., & Mohd Mohadis, H. (2025). Harmonizing Maqasid al-Shari’ah with sustainable waste management practices: a conceptual framework for principles and implementation. International Journal of Islamic and Middle Eastern Finance and Management, 18(1), 142–165. https://doi.org/10.1108/IMEFM-02-2024-0061
Chan, E. Y. (2024). Consumer Behavior in Practice. Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-50947-6
Cialdini, R. B., & Jacobson, R. P. (2021). Influences of social norms on climate change-related behaviors. Current Opinion in Behavioral Sciences, 42, 1–8. https://doi.org/10.1016/j.cobeha.2021.01.005
Cislaghi, B., & Heise, L. (2020). Gender norms and social norms: differences, similarities and why they matter in prevention science. Sociology of Health & Illness, 42(2), 407–422. https://doi.org/10.1111/1467-9566.13008
Costa Pacheco, D., Damião de Serpa Arruda Moniz, A. I., Nunes Caldeira, S., & Dias Lopes Silva, O. (2021). Online Impulse Buying – Integrative Review of Social Factors and Marketing Stimuli (pp. 629–640). https://doi.org/10.1007/978-3-030-90241-4_48
Czarnecka, B., Schivinski, B., & Keles, S. (2020). How values of individualism and collectivism influence impulsive buying and money budgeting: the mediating role of acculturation to global consumer culture. Journal of Consumer Behaviour, 19(5), 505–522. https://doi.org/10.1002/cb.1833
Emmanuel-Stephen, C. M., & Gbadamosi, A. (2022). Hedonism and luxury fashion consumption among Black African women in the UK: an empirical study. Journal of Fashion Marketing and Management: An International Journal, 26(1), 126–140. https://doi.org/10.1108/JFMM-05-2020-0079
Hopalı, E., Vayvay, Ö., Kalender, Z. T., Turhan, D., & Aysuna, C. (2022). How Do Mobile Wallets Improve Sustainability in Payment Services? A Comprehensive Literature Review. Sustainability, 14(24), 16541. https://doi.org/10.3390/su142416541
Lin, C.-T., Chen, C.-W., Wang, S.-J., & Lin, C.-C. (2023). The influence of impulse buying toward consumer loyalty in online shopping: a regulatory focus theory perspective. Journal of Ambient Intelligence and Humanized Computing, 14(11), 14611–14621. https://doi.org/10.1007/s12652-018-0935-8
Mihale-Wilson, C., & Carl, K. V. (2024). Designing incentive systems for participation in digital ecosystems—An integrated framework. Electronic Markets, 34(1), 16. https://doi.org/10.1007/s12525-024-00703-5
Monir, Md. S., Hasan, Md. M., & Islam, Md. T. (2025). Adoption of cashless transaction and customer satisfaction: insights from emerging economy. Journal of Electronic Business & Digital Economics, 1–23. https://doi.org/10.1108/JEBDE-04-2025-0026
Phillips, P. P., & Stawarski, C. A. (2008). Data Collection: Planning for and Collecting All Types of Data (P. P. Phillips & J. J. Phillips, Eds.; Vol. 1). John Wiley & Sons, Inc.
Quach, S., Thaichon, P., Martin, K. D., Weaven, S., & Palmatier, R. W. (2022). Digital technologies: tensions in privacy and data. Journal of the Academy of Marketing Science, 50(6), 1299–1323. https://doi.org/10.1007/s11747-022-00845-y
Raj L., V., Amilan, S., & Aparna, K. (2024). Factors influencing the adoption of cashless transactions: toward a unified view. South Asian Journal of Marketing, 5(1), 74–90. https://doi.org/10.1108/SAJM-11-2022-0071
Rizvi, S. K. A., Rahat, B., Naqvi, B., & Umar, M. (2024). Revolutionizing finance: The synergy of fintech, digital adoption, and innovation. Technological Forecasting and Social Change, 200, 123112. https://doi.org/10.1016/j.techfore.2023.123112
Sait, M. A., Ali, M. A., Almunawar, M. N., & Haji Masri, H. M. (2024). Understanding factors to digital wallet discontinuance intention among past users: an exploratory study. Journal of Science and Technology Policy Management. https://doi.org/10.1108/JSTPM-01-2024-0005
Shah, M. U. D., Khan, I. U., & Khan, N. U. (2025). The role of digital payments in overspending behavior: a mental accounting perspective. International Journal of Emerging Markets, 20(10), 4031–4053. https://doi.org/10.1108/IJOEM-08-2023-1313
Singh, S., Sahni, M. M., & Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675–1697. https://doi.org/10.1108/MD-09-2019-1318
Stanley, M. (2023). Qualitative descriptive: A very good place to start. In Qualitative research methodologies for occupational science and occupational therapy (pp. 52–67). Routledge.
Sun, X., & Zhang, Q. (2021). Building digital incentives for digital customer orientation in platform ecosystems. Journal of Business Research, 137, 555–566. https://doi.org/10.1016/j.jbusres.2021.08.068
van Klyton, A., Tavera-Mesias, J.-F., & Castaño-Muñoz, W. (2022). Value co-creation and co-destruction in the first cashless society in Colombia – a middle range theory approach. Information Technology & People, 35(4), 1298–1325. https://doi.org/10.1108/ITP-05-2020-0273
Yang, M., Mamun, A. Al, Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless Transactions: A Study on Intention and Adoption of e-Wallets. Sustainability, 13(2), 831. https://doi.org/10.3390/su13020831
Zhang, Z., Zhang, N., & Wang, J. (2022). The Influencing Factors on Impulse Buying Behavior of Consumers under the Mode of Hunger Marketing in Live Commerce. Sustainability, 14(4), 2122. https://doi.org/10.3390/su14042122
Published
2025-10-15
How to Cite
TANTOWI, Ahmad; PUTRI SARSONO, Ismei Affianny; ANWAR, Rosikhan.
Promo Dompet Digital dan Israf Mahasiswa: Analisis Perilaku Konsumtif Generasi Z.
Otonomi, [S.l.], v. 25, n. 2, p. 272-280, oct. 2025.
ISSN 2657-1684.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/otonomi/article/view/8022>. Date accessed: 23 jan. 2026.
doi: https://doi.org/10.32503/otonomi.v25i2.8022.
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
http://creativecommons.org/licenses/by/4.0
