The Effect Of Digital Wallets, Lifestyle And Financial Literacy On Students' Consumer Behavior In Surakarta
DOI:
https://doi.org/10.24252/iqtisaduna.v12i1.64097Keywords:
Digital Wallets, Lifestyle, Financial Literacy, Consumer BehaviorAbstract
The purpose of this research is to analyze the influence of digital wallets, lifestyle, and financial literacy on consumer behavior in Surakarta. The development of modern financial technology has made non-cash transactions easier but may also influence consumer behavior, especially among students. This study employs a quantitative approach, with data collected via questionnaires distributed to 105 students at universities in Surakarta, selected using probability sampling. Data were analyzed using multiple linear regression in IBM SPSS. The study’s results show that lifestyle has a positive and significant effect on consumer behavior, financial literacy has a negative and significant effect, and digital wallets have no significant effect. Simultaneously, digital wallets, lifestyle, and financial literacy significantly affect consumer behavior. This study shows that lifestyle and financial literacy are important factors in suppressing consumer behavior among students.
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