The Influence of E-Wallet Usage and Lifestyle on Consumptive Behavior with Self-Control as a Moderating Variable

Widia Sukra; Asyari; Hesi Eka Puteri; Rini Elvira

doi:10.35891/0qqq8g70

Authors

Widia Sukra UIN SJECH MDJAMIL DJAMBEK BUKITTINGGI
Asyari Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Hesi Eka Puteri Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Rini Elvira Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

DOI:

https://doi.org/10.35891/0qqq8g70

Keywords:

Financial literacy, Mass Mentality, Behavioral Intention, Risk Perception

Abstract

Introduction; The purpose of this study was to measure and analyze the influence of e-wallet usage and lifestyle on consumer behavior, with self Discipline as a moderating variable among Muslim millennials in Bukittinggi City. Method;

This study was quantitative with a descriptive approach. A sample of 300 respondents, representing Muslim millennials who use e-wallets in Bukittinggi City, was selected. Data collection involved observation and questionnaire distribution. The data were then analyzed using Structural Equation Modeling (SEM) techniques using the SmartPLS application. Results; The study revealed that both e-wallet usage and lifestyle have a positive and significant impact on consumptive behavior among Muslim millennials in Bukittinggi. Additionally, self-discipline was found to significantly weaken the influence of lifestyle on consumptive behavior, while its moderating effect on the relationship between e-wallet usage and consumptive behavior was not significant. Conclusion;Self-discipline, as a form of self-discipline, has a significant moderating effect in weakening the relationship between lifestyle and consumptive behavior among Muslim millennials in Bukittinggi City. However, its moderating effect on the relationship between e-wallet usage and consumptive behavior is not statistically significant.

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