APAKAH PEMBAYARAN FINTECH, APLIKASI BELANJA ONLINE, DAN RASA TAKUT KETINGGALAN ( FEAR OF MISSING OUT) Mendorong Perilaku Konsumtif? Bukti Dari Mahasiswa Akuntansi

his study aims to examine the influence of using fintech mobile payment, online shopping
applications, and Fear of Missing Out (FOMO) on the consumptive behavior of students in the
Undergraduate Accounting Study Program at Tadulako University, Palu, Central Sulawesi. An
explanatory quantitative approach with a cross-sectional survey design was applied, with data
collected from 272 respondents selected through proportionate stratified random sampling from
a population of 842 active students. A structured questionnaire instrument with a five point
Likert scale was distributed via Google Form. Multiple linear regression analysis using SPSS
version 29 was conducted after testing classical assumptions. The results showed that: (1) the use
of fintech mobile payment has a positive and significant effect on consumptive behavior (? =
0.149; sig. = 0.036); (2) the use of online shopping applications has a positive and significant effect
(? = 0.274; sig. < 0.001); (3) FOMO has a positive and significant effect as the strongest predictor
(? = 0.468; sig. < 0.001); and (4) the three variables simultaneously explain 53.7% of the variation
in consumptive behavior (R² = 0.537). Based on the Stimulus-Organism-Response (S-O-R) theory,
this study makes a scientific contribution by integrating digital payment technology, ecommerce platforms, and FOMO into a single research model applied in the context of a regional
university in Indonesia.
Keywords: Consumptive Behavior, Fear of Missing Out, Fintech Mobile Payment, Online
Shopping Applications, S-O-R Theory