Pengaruh Digital Payments Terhadap Perilaku Pengelolaan Keuangan Mahasiswa FEB UNEJ Penerima Beasiswa KIP Kuliah

Abstract

This study aims to identify the effect of digital payments usage, consisting of e-wallet, mobile banking, and QRIS, on the financial management behavior of students at the Faculty of Economics and Business, University of Jember, who are recipients of the KIP Kuliah scholarship. The type of research used is explanatory research with a quantitative approach. The sampling technique employed in this study is purposive sampling. The research instrument is a questionnaire distributed online with a total sample of 247 respondents. The data analysis method used is Partial Least Square (PLS) with the assistance of SmartPLS 4.0 software. The result show that: (1) e-wallet has a significant effect on students’ financial management behavior; (2) mobile banking has a significant effect on students’ financial management behavior; (3) QRIS has a significant effect on students’ financial management behavior. In addition, control variables including gender, allowance, and part-time employment status do not have a significant effect on students’ financial management behavior.