The Effect of Digital Payment on Generation Z's Consumptive Behaviour
Abstract
This study aims to determine the effect of the QRIS digital payment tool on the consumer behaviour of Generation Z. The research involved 120 respondents who are students of the Bandung State Polytechnic, Indonesia. The research method used is quantitative descriptive, with data analysis techniques including descriptive and regression tests. Data were collected through questionnaires distributed via social media platforms and face-to-face interactions with the respondents. The study results indicate that QRIS has a 25.4% influence on the consumption behaviour of students at the Bandung State Polytechnic, who are part of Generation Z. In contrast, 74.6% of the influence on their consumption behaviour is attributed to other variables not examined in this research. These findings suggest that although QRIS influences the consumption behaviour of students, this influence is classified as low. Thus, this study provides insights into the role of QRIS in shaping the shopping habits of students in the current digital era. The results of this research can be a reference for marketers and digital product developers in designing more effective marketing strategies for Generation Z and understanding how they interact with digital payment technology.
References
Akbar, I., Gunawan, W., & Maulana, Y. (2021, March). Analysis of The Effect of Service Quality and Price Perception on Customer Loyalty with Customer Satisfaction Variables as intervening variables. In Proceedings of the 1st Universitas Kuningan International Conference on Social Science, Environment and Technology, UNiSET 2020, 12 December 2020, Kuningan, West Java, Indonesia.
Alamsyah, F. (2023). Dampak Ketersediaan Pembayaran Digital Terhadap Loyalitas Pelanggan (Studi Kasus Pada Pelanggan Bakso di Kabupaten Bandung). International Journal Administration Business and Organization, 10Internat. https://ijabo.a3i.or.id/index.php/ijabo/article/view/258/86
Andyni, N., & Kurniasari, F. (2021). Pengaruh Literasi dan Efikasi Diri Terhadap Inklusi Keuangan Pada Penggunaan Layanan Pembayaran Digital Shopee Pay di Jabodetabek. Jurnal Manajemen, Vol.16 (1) 128-140
Azzahroo, R. A., & Estiningrum, S. D. (2021). Preferensi Mahasiswa dalam Menggunakan Quick Response Code Indonesia Standard ( QRIS ) sebagai Teknologi Pembayaran. Jurnal Manajemen Motivasi, 17, 10–17.
Budiman, H., Barokah, T., Harjadi, D., Fathanudien, A., & Anugrah, D. (2022, August). The Application of Legal System Theory in Handling Consumer Dispute by the Consumer Dispute Settlement Agency (BPSK) Of Kuningan Regency. In UNISET 2021: Proceedings of the 2nd Universitas Kuningan International Conference on System, Engineering, and Technology, UNISET 2021, 2 December 2021, Kuningan, West Java, Indonesia (p. 52). European Alliance for Innovation.
Chaniago, H., Muharam, H., & Efawati, Y. (2023). Metode Riset Bisnis dan Permodelan. Edukasi Riset Digital PT.
Chaniago, H., & Efawati, Y. (2022). The implementation of integrated marketing communication on retail business: Moslem consumers' perceptions. International Journal of Business and Globalisation, 30(2), 187-206. https://doi.org/10.1504/IJBG.2022.122664
Chaniago, H. (2023). Investigation of entrepreneurial leadership and digital transformation: Achieving business success in uncertain economic conditions. Journal of technology management & innovation, 18(2), 18-27.
Chaniago, H. (2022). The effect innovation cloning to small business success: entrepreneurial perspective. Journal of Innovation and Entrepreneurship, 11(1), 52.
Danuri, M. (2019). Perkembangan dan Transformasi Teknologi Digital. Infokam, XV(II), 116–123.
Dewi, L. G. K., Herawati, N. T., & Adiputra, I. M. P. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669
Efawati, Y., Rifaturrahman, R. F., & Chaniago, H. (2024). The Effect Of E-Service Quality On Repurchase Interests Of The Online Shopping Shopee Indonesia. Jurnal Ekonomika dan Manajemen, 13(1), 8-25. https://doi.org/10.36080/jem.v13i1.2846
Efawati, Y., & Hermawan, N. J. (2020). Making Sense Of The “Product Attributes” Trends: A Review Of Consumers Drink Choice Behavior And Industry Implications. International Journal Administration, Business & Organization, 1(2), 28-37. https://doi.org/10.61242/ijabo.20.35
Efawati, Y. (2016). Faktor Penentu Keberhasilan Pasar Fashion Tradisional. Jurnal Riset Bisnis Dan Investasi, 2(1), 13-13.
Fadhilah, J., Layyinna, C. A. A., Khatami, R., & Fitroh. (2021). Pemanfaatan Teknologi Digital Wallet sebagai Solusi Alternatif Pembayaran Modern: Literature Review. Journal of Computer Science an Engineering, Vol.2 No.2. https://icsejournal.com/index.php/JCSE/article/view/219/89
Fitriani, L. K., Wachjuni, W., Krisdiawan, R. A., & Hamzah, A. (2024). Technology exploration of micro, small, and medium enterprises in Kuningan Regency, Indonesia. Indonesian Journal of Multidisciplinary Science, 3(5).
Harjadi, D., & Fitriani, L. K. (2024). Interest In Transacting: The Role Of Lifestyle And The Effectiveness Of Advertising On Instagram Social Media. EconBank: Journal of Economics and Banking, 6(1), 151-160.
Harjadi, D., Arraniri, I., & Fatmasari, D. (2021). The role of atmosphere store and hedonic shopping motivation in impulsive buying behavior. Jurnal Riset Bisnis dan Manajemen, 14(2), 46-52.
Iskandar, I., Faridatunnissa, D., & Wachjuni, W. (2023). Pengaruh Lifestyle Terhadap Keputusan Pembelian Dengan Content Marketing Sebagai Variabel Intervening (Survei pada para pengguna TikTok yang berbelanja pada marketplace Shopee). Prosiding FRIMA (Festival Riset Ilmiah Manajemen dan Akuntansi), (6), 620-630.
Kartika, N. E., Hardjadi, D., & Syafrudin, O. (2023). Strategi Pengembangan Bisnis, Brand Awareness dan Transformasi Digital menuju Koperasi Modern. Logika: Jurnal Penelitian Universitas Kuningan, 14(02), 225-238.
Lukum, A. (2019). Pendidikan 4.0 Di Era Ggenerasi Z: Tantangan Dan Solusinya. Pros.Semnas KPK, 2, 13.
Mahsyar, J. H. (2023). Pengaruh Persepsi Harga, Kualitas Produk Dan Gaya Hidup Terhadap Minat Beli Yamaha Vixion. Jurnal Ekonomi, Akuntansi & Manajemen, 3(1), 599-607.
Maulana, Y., Komarudin, M. N., Gunawan, W. H., & Yusuf, A. A. (2022). the Influence of Fintech Digital Payment and P2P Lending on Indonesia’S Economic Growth. International Journal of Economics, Business and Accounting Research (IJEBAR), 6(3), 2185-2195.
Maulana, Y., & Wiharno, H. (2022). Fintech P2P lending dan pengaruhnya terhadap pertumbuhan ekonomi Indonesia. Indonesian Journal of Strategic Management, 5(1).
Miftahulillah, D., Rahmat, P. S., & Suryani, Y. (2023). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Keuangan Melalui Self Efficacy Sebagai Variabel Mediasi survey Terhadap mahasiswa Fakultas Pendidikan dan Sains Universitas Swadaya Gunung Jati Cirebon. Cakrawala Repositori IMWI, 6(5), 2097-2110.
Oktaviani, M., Sari, I. P., & Miftah, Z. (2023). Pengaruh E-Commerce Dan Financial Technology Terhadap Perilaku Konsumtif Mahasiswa. Journal of Applied Business and Economic (JABE), 9(3), 1–10.
Rahmat, A., Asyari, & Puteri, H. E. (2020). Pengaruh Hedonisme dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa. Ekonomika Syariah: Journal of Economic Studies, Vol.4 No.1.
Rachmawati, E., Juminawati, S., Akbar, I., Bahri, K. N., & Cakranegara, P. A. (2018). The importance of understanding the application of marketing strategy for household MSME products on social media networks. International Journal of Business, Economics and Management, 5(1), 76-85.
Saputri, O. B. (2020). Preferensi Konsumen Dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) Sebagai Alat Pembayaran Digital. Journals of Economics and Business Mulawarman, 17(2), 1–11.
Syafrudin, O., Komarudin, M. N., Maulana, Y., Masruroh, R., & Herdiansyah, M. F. (2023). Transforming Financial Behavior of Students: The Impact of Learning Contributions and Financial Literacy. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 12(2), 291-302.
Sunyoto, D., & Saksono, Y. (2022). Perilaku Konsumen. In Eureka Media Aksara (Vols. 978-623–48, Issue Eureka Media Aksara, November 2022 anggota Ikapi Jawa Tengah NO. 225/JTE/2021 Redaksi:).
Suyanto, M. A., Dewi, L. K. C., Dharmawan, D., Suhardi, D., & Ekasari, S. (2024). Analysis of The Influence of Behavior Intention, Technology Effort Expectancy and Digitalization Performance Expectancy on Behavior To Use of QRIS Users in Small Medium Enterprises Sector. Jurnal Informasi dan Teknologi, 57-63.
Suhardi, D., Watulandi, M., & Gunawan, W. H. (2024). Pengaruh Fintech, Digital Marketing dan Financial Inclusion Terhadap Pertumbuhan Bisnis UMKM di Kabupaten Kuningan Jawa Barat: The Effect of Fintech, Digital Marketing and Financial Inclusion on MSME Business Growth in Kuningan Regency, West Java. Jurnal MARKET: Pemasaran dan Kewirausahaan, 1(1).
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al-Qardh, 4(1), 60–75. https://doi.org/10.23971/jaq.v4i1.1442
Wachjuni, W., Komarudin, M., Maulana, Y., Azhari, A., & Astriani, R. (2022, August). Analysis of Factors Affecting Financial Behavior. In Proceedings of the 2nd Universitas Kuningan International Conference on System, Engineering, and Technology, UNISET 2021, 2 December 2021, Kuningan, West Java, Indonesia.
Wibowo, S. K., & Rahmantya, Y. E. K. (2023). Systematic Literature Review Peran Teknologi Informasi Dan Komunikasi Terhadap Kinerja. Jurnal Ekonomi, Akuntansi & Manajemen, 3(1), 567-577.
Copyright (c) 2024 Athalia Asta Dewi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright Notice
Authors retain copyright to their articles, excluding any third-party images and other material that are subject to copyright by their respective owners.
By submitting the manuscript to the International Journal Administration, Business & Organization (IJABO), the author agrees to this policy. No special document approval is required.
- All the author(s) agree the above article for publication in the Journal «International Journal Administration, Business & Organization (IJABO)».
- The above-mentioned article is the author(s)’ original work and has not been published before and is not currently under consideration for publication elsewhere.
- All the author(s) agree with the journal’s «International Journal Administration, Business & Organization (IJABO)»
- The Article was not submitted for review to another journal while under review by this journal and will not be submitted to any other journal.
- I/we have given final approval of the submitted manuscript.
- The Article contain no libelous or other unlawful statements and do not contain any materials that violate any personal or proprietary rights of any other person or entity.
- The author(s) no conflict of interest that may affect the integrity and the validity of the findings presented in it.
- I/we have obtained written permission from copyright owners for any excerpts from copyrighted works that are included and have credited the sources in the Article.
- If I/we am using any personal details or images of patients, research subjects or other individuals, I have obtained all consents required by applicable law and complied with the publisher’s policies relating to the use of such images or personal information.
- All Authors are aware that they can deposit (self-archive) (a) submitted article, (b) accepted for publication article or (c) the final published version of the article in any suitable source (e.g., institutional or other specialized repositories, personal websites, etc.) without embargo period. In case of self-archiving authors should also acknowledge the Publisher and the Publication and deposit an URL to the article (if available).
Licence
International Journal Administration, Business & Organization (IJABO) is published under the terms of the Creative Commons Attribution- ShareAlike 4.0 Internasional license (CC BY-SA 4.0). This license permits anyone to:.
Sharing - copy and redistribute this material in any form or format;
Adaptation - modify, modify, and make derivative works of this material for any purpose.
Attribution - You must include the appropriate name, include a link to the license, and state that changes have been made. You may do this in a manner that is appropriate, but not implying that the licensor endorses you or your use.
Share Alike - If you compose, modify, or make derivative works of this material, you must distribute your contributions under the same license as the original material.
