Analisis Pengaruh Dompet Digital dan Cashback Terhadap Perilaku Keuangan Konsumen di E-Commerce
Studi Kasus Shopeepay dan DANA pada Pengguna Usia 18-25 Tahun di Kota Bandung
DOI:
https://doi.org/10.55606/jurima.v5i2.5218Keywords:
students digital wallet, cashback, financial behavior, e-commerce, young generation.Abstract
This research aims to analyze the influence of digital wallet usage and cashback programs on the financial behavior of e-commerce consumers aged 18-25 years in Bandung City, focusing on ShopeePay and DANA platforms. The study employs a quantitative method with a questionnaire survey involving 77 active digital wallet users. The data were analyzed using multiple linear regression after validity, reliability, and classical assumption tests. The results show that digital wallet usage and cashback simultaneously have a significant effect on consumer financial behavior, with digital wallet usage having a more dominant partial influence.Transaction convenience and cashback incentives encourage consumptive behavior, especially among young people who are sensitive to promotions. However,weaknesses in financial management were found due to the low utilization of financial management features in digital wallet applications. This research recommends improving digital financial literacy so that young people can use digital wallets and cashback wisely and responsibly.
Downloads
References
Aji, H. M., & Adawiyah, W. R. (2021). How e-wallets encourage excessive spending behavior among young adult consumers. Journal of Asia Business Studies, 16(2). https://scholar.google.com/scholar?q=How+e-wallets+encourage+excessive+spending+behavior+among+young+adult+consumers
Apriadi, D., Adelin, D., Mutumanikam, P. R., & Lanjarsih, L. (2025). Personal finance transformation in the digital era: The impact of financial technology on people's economic behavior. Oikonomia, 2(3), 89–100. https://doi.org/10.61942/oikonomia.v2i3.356
Bank Indonesia. (2020). Laporan tahunan Bank Indonesia 2020. Bank Indonesia. https://www.bi.go.id/id/publikasi/laporan-tahunan/Pages/Laporan-Tahunan-Bank-Indonesia-2020.aspx
DataIndonesia.id. (2023). Survei preferensi penggunaan e-wallet di Indonesia. https://dataindonesia.id/ekonomi/detail/survei-preferensi-penggunaan-e-wallet-di-indonesia-2023
Faraz, N., & Anjum, A. (2025). Spendception: The psychological impact of digital payments on consumer purchase behavior and impulse buying. Behavioral Sciences, 15(3), 387. https://doi.org/10.3390/bs15030387
Gustantio, E. R., Setiawan, A., & Djajadikerta, H. (2024). Pengaruh gaya hidup konsumtif, financial literacy, dan persepsi kemudahan bertransaksi terhadap penggunaan e-wallet pada Generasi Z. Innovative: Journal of Social Science Research, 4(3), 11261–11273. https://doi.org/10.31004/innovative.v4i3.11417
Huda, M., Agustina, G., Ningrum, N. S., & Daulay, B. (2009). Financial analysis on development of coal liquefaction plant in Indonesia using brown coal liquefaction (BCL) technology. Indonesia Mining Journal, 12(3), 123–134. https://jurnal.tekmira.esdm.go.id/index.php/imj/article/view/575
iPrice. (2023). Laporan tren belanja online di Indonesia. https://iprice.co.id/trends/insights/laporan-tren-belanja-online-2023/
Jhawar, N., & Nandedkar, T. (2025). E-wallet’s attributes & its impact on stimulating consumer impulse purchase. Academy of Marketing Studies Journal, 29(3), 1–13. https://scholar.google.com/scholar?q=Jhawar+Nandedkar+2025+E-Wallet%E2%80%99s+attributes
Lee, J. (2022). The impacts of mobile wallet app characteristics on online impulse buying: A moderated mediation model. Human Behavior and Emerging Technologies. https://doi.org/10.1155/2022/2767735
Parameswaran, A., & Islam, T. (2022). Impulsive buying behavior and digital wallet usage. Cardiometry, 23, 554–560. https://doi.org/10.18137/cardiometry.2022.23.554560
Populix. (2023). Laporan preferensi pembayaran digital di Indonesia. https://populix.co/blog/laporan-preferensi-pembayaran-digital-2023
Putri, A. E. J., & Octavatiya, A. J. (2024). Perilaku keuangan pengguna e-wallet di Kudus: Financial technology, demografi, literasi keuangan dan lifestyle sebagai prediktor. Jurnal Ekonomi dan Bisnis Digital, 2(2), 154–168. https://doi.org/10.58765/ekobil.v2i2.154
Riyanto, B., Sunaryo, S., & Nugroho, S. (2020). Pengaruh dompet digital terhadap perilaku konsumtif mahasiswa. Jurnal Ekonomi dan Bisnis, 23(2), 120–128. https://ejournal.uhn.ac.id/index.php/jabn/article/download/2553/1207/9460
Sari, D., & Hwihanus. (2024). Pengaruh kemudahan transaksi e-money terhadap perilaku konsumtif generasi muda. Jurnal Keuangan Digital, 2(1), 45–58. https://doi.org/10.8734/musytari.v9i4.6350
Sari, D., Paramitha, D. A. F., & Rachman, R. (2023). Strategi ShopeePay dalam meningkatkan perilaku konsumtif generasi Z. Jurnal Pemasaran Digital, 5(1), 67–81. https://ejournal.warmadewa.ac.id/index.php/wacana_ekonomi/article/download/9585/6096/52898
Setiawan, A., Putra, R. Y., & Santoso, E. (2024). Pengaruh cashback DANA terhadap perilaku konsumtif pengguna Gen Z. Jurnal Riset Ekonomi Digital, 6(1), 34–48. https://eprints.unm.ac.id/18970/1/Jurnal%20A.%20Nooriah%20Mujahidah%20-%201644040021%20-%20BK.pdf
Situmorang, M. K. (2023). Pengaruh perilaku konsumen terhadap penggunaan uang elektronik sebagai alat pembayaran pada masa pandemi Covid–19 di Kota Medan [Tesis, Universitas Fourier]. Google Scholar. https://scholar.google.com/scholar?q=Situmorang+Perilaku+Konsumen+Dompet+Digital+2023
Universitas Sangga Buana. (2023). Laporan penelitian perilaku konsumtif Generasi Z di Bandung. https://usb.ac.id/laporan-penelitian/perilaku-konsumtif-generasi-z-bandung-2023
Wulantika, E., & Zein, R. (2020). Penggunaan dompet digital dalam transaksi sehari-hari di Indonesia. Jurnal Ekonomi dan Teknologi, 3(2), 50–63. https://journal.unpas.ac.id/index.php/oikos/article/download/6439/3605
Zainal, R. I., Sari, N. S., Mellita, D., & Haqiqi, T. M. (2023). Modeling financial behavior of e-wallet users in Palembang: Exploring financial literacy and lifestyle factors. Management and Business Innovations in Asia, 7(1), 55–72. https://doi.org/10.33557/90ag6q74
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Riset Manajemen dan Akuntansi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
