PERILAKU KONSUMTIF MAHASISWA DENGAN DETERMINASI LITERASI KEUANGAN DAN PENGGUNAAN DOMPET DIGITAL (E-WALLET)

This study purpose to asses the impact of financial literacy and e-wallet usage on college students’ consumptive behavior of active
undergraduate students in the accounting department at the Faculty of
Economics and Business, Tadulako University, from the classes of 2022,
2023, 2024, and 2025. Sample for this study consisted of 210 people
selected by purposive sampling, with data collected by questionnaire
delivered using g-forms. Data was analyzed using multiple linear
regression with SPSS 27 software. Analysis results that the financial
literacy does not have a significant effect on students’ consumptive
behavior, however e-wallet usage has a significant effect on students’
consumptive behavior. This study illustrates that convenience of using
digital wallets can influence students’ purchasing habits. As a result,
more financial literacy is requires to guarantee that digital financial
technology is used wisely.