THE INFLUENCE OF USE DIGITAL WALLETS AND FINANCIAL LITERACY ON THE CONSUMPTIVE BEHAVIOR OF COLLEGE STUDENTS IN DKI JAKARTA

Abstract

This study aims to determine the influence of use digital wallets and financial literacy on the consumptive behavior of students in DKI Jakarta. The research method used was a survey method with a quantitative approach. The population in this study was college students of the faculty of economics with a campus location in DKI Jakarta. The study sample 192 respondents who were determined by the lemeshow formula because the number of the population was unknow. Data collection techniques using questionnaires. The data analysis technique used is multiple linear regression analysis. The results showed that the use of digital wallets and financial literacy had a partial and simultaneous influence on consumptive behavior. The use of digital wallets has a positive and significant influence on consumptive behavior, while financial literacy has a negative and significant influence on consumptive behavior.