Ŕ Gaya Hidup Cashless dan Pemanfaatan Dompet Digital dalam Membentuk Perilaku Konsumtif Mahasiswa Generasi Z: Peran Self-Control dan Nilai-Nilai Islam | Kasnelly | Jurnal Ilmiah Universitas Batanghari Jambi

Gaya Hidup Cashless dan Pemanfaatan Dompet Digital dalam Membentuk Perilaku Konsumtif Mahasiswa Generasi Z: Peran Self-Control dan Nilai-Nilai Islam

Sri Kasnelly, Ahmad Luthfi, Abdul Jalil, M. Syaikhul Arif, Revalina Juventini LA

Abstract


Advances in digital payment technology have reshaped how Generation Z students consume, largely through their growing embrace of a cashless lifestyle and digital wallets. This study set out to determine whether a cashless lifestyle and the intensity of digital wallet use shape consumptive behavior, examining self-control as a mediating mechanism and Islamic values as a moderating factor. Using a purposive sample of 80 students from Universitas Islam An-Nadwah Kuala Tungkal, quantitative survey data were gathered and processed through SEM-PLS. Findings indicate that both a cashless lifestyle and digital wallet usage intensity raise consumptive behavior, whereas self-control and Islamic values lower it. Islamic values were found to moderate only the self-control-to-consumptive-behavior pathway, while self-control failed to mediate the pathways linking cashless lifestyle or digital wallet usage to consumptive behavior. Taken together, the results underscore that cultivating self-control and instilling Islamic values are key to fostering wiser consumption habits among students.

Keywords


self-control; cashless lifestyle; digital wallet; Islamic values; consumptive behavior.

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References


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DOI: http://dx.doi.org/10.33087/jiubj.v26i2.6565

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