The Impact of Digital Money on Students' Lifestyle and Financial Management
DOI:
https://doi.org/10.59525/jess.1843Keywords:
digital money; QRIS; lifestyle; financial management; studentsAbstract
The rapid development of digital payment technology has changed how students conduct daily transactions and manage personal spending. This study analyzes the impact of digital money on students' lifestyle and financial management, particularly shopping behavior, payment application preferences, financial recording, and the shift from offline to online shopping. A descriptive quantitative approach was applied. Data were collected through an online questionnaire distributed using Google Forms. From 43 responses received, 40 valid responses were selected after screening according to the research characteristics. The data were analyzed using frequency distribution and percentage analysis, then interpreted with support from technology acceptance, digital payment, and financial literacy literature. The findings show that the respondents were dominated by women (77.5%), the 16-25-year age group (97.5%), and students (92.5%). QRIS was the most frequently used digital money application (45.0%) and remained dominant in the fairly often used category (47.5%). For shopping behavior, neutral and agree responses each reached 37.0%. For financial recording and management, 42.0% of responses were neutral and 41.0% were agree. In the shift from offline to online shopping, 44.5% of responses were agree. These results indicate that digital money offers convenience and efficiency, but its benefits depend on financial awareness, self-control, and the ability to use transaction records for personal financial evaluation.
References
Aji, H. M., Berakon, I., & Md Husin, M. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Cogent Business and Management, 7(1). https://doi.org/10.1080/23311975.2020.1804181
Alfian Lutfi, Annisa Ayu Handayani, Balqis Naura Izzati, Khoirunnisa Khoirunnisa, Lutvie Novita Zalwa, & Welsi Damayanti. (2025). Penggunaan Sistem Pembayaran QRIS dalam Praktik Pengelolaan Keuangan Mahasiswa Perantauan. Maeswara : Jurnal Riset Ilmu Manajemen Dan Kewirausahaan, 3(3), 79–96. https://doi.org/10.61132/maeswara.v3i3.1798
Andi Riski Firnanda, Putri Sulisti, & Hildawati Hildawati. (2024). Dampak QRIS Terhadap Kebiasaan Belanja Mahasiswa di Era Digital : Studi Kasus Mahasiswa STIA Lancang Kuning Dumai. MENAWAN : Jurnal Riset Dan Publikasi Ilmu Ekonomi, 3(1), 110–119. https://doi.org/10.61132/menawan.v3i1.1122
Chase Mendenhall. (2019). Defeating Thanos and His Malthusian Mission of Population Control. Carnegie Museum of Natural History. Retrieved from https://carnegiemnh.org/defeating-thanos-and-his-malthusian-mission-of-population-control/
Chuttur, M. (2009). Association for Information Systems AIS Electronic Library (AISeL) Overview of the Technology Acceptance Model: Origins, Developments and Future Directions. Working Papers on Information Systems, 9(37), 9–37.
Hildawati, S.Sos., M. S. (2024). Buku Ajar Metodologi Penelitian & Aplikasi Pengolahan Analisis Data Statistik. Retrieved from www.buku.sonpedia.com
Nur, N. M., Syafrianti, R., & Hanafi, I. (2025). The Influence Of Financial Literacy And Hedonistic Lifestyle On The Financial Behavior Of Cashless Society Students Using Qris At The Faculty Of Economics And Business , Universitas Islam Riau . Pengaruh Literasi Keuangan Dan Gaya Hidup Hedonis Terhadap P. 6(5), 715–728.
Saputra, A., Rafidah, & Apriani, A. (2025). Faith, finance, and fintech: Unraveling the drivers of student consumptive behavior through lifestyle. Al-Uqud: Journal of Islamic Economics, 9(1)(1), 60–85.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Dwi Kartika, Yadittiya Laksamana, Ria Melia, Rahmadhani Rahmadhani
This work is licensed under a Creative Commons Attribution 4.0 International License.
