Pengaruh Penggunaan Platform Digital Money dan Platform E-commerce terhadap Perilaku Konsumtif Mahasiswa

The Influence of Using Digital Money Platforms and E-commerce Platforms on Student Consumptive Behavior

Pandemi COVID-19 telah mendorong peningkatan adopsi platform digital khususnya platform digital money dan e-commerce di kalangan masyarakat, termasuk mahasiswa yang merupakan salah satu kelompok dengan tingkat konsumsi digital yang tinggi. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan platform digital money dan e-commerce terhadap perilaku konsumtif di kalangan mahasiswa Fakultas Ekonomika dan Bisnis (FEB) Universitas Negeri Surabaya. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain eksperimental. Subjek penelitian adalah 378 mahasiswa FEB Universitas Negeri Surabaya angkatan 2020-2023 yang aktif menggunakan platform digital money dan e-commerce. Pengumpulan data dilakukan melalui penyebaran kuesioner dengan menggunakan skala likert. Analisis data dilakukan dengan teknik regresi linier berganda. Hasil penelitian menunjukkan bahwa penggunaan platform digital money dan platform e-commerce berpengaruh terhadap perilaku konsumtif mahasiswa, baik secara parsial maupun simultan. Sehingga dapat disimpulkan bahwa semakin tinggi penggunaan platform digital money dan e-commerce, maka semakin besar pula kecenderungan perilaku konsumtif yang ditunjukkan oleh mahasiswa.

The COVID-19 pandemic has driven an increase in the adoption of digital platforms, especially digital money platforms and e-commerce among the public, including students who are one of the groups with high levels of digital consumption. This study aims to analyze the effect of using digital money and e-commerce platforms on consumptive behavior among students of the Faculty of Economics and Business (FEB), Surabaya State University. The research method used is a quantitative approach with an experimental design. The research subjects were 378 students of FEB Surabaya State University class of 2020-2023 who actively use digital money and e-commerce platforms. Data collection was carried out through distributing questionnaires using a likert scale. Data analysis was performed using multiple linear regression techniques. The results showed that the use of digital money platforms and e-commerce platforms had an effect on student consumptive behavior, both partially and simultaneously. So it can be concluded that the higher the use of digital money and e-commerce platforms, the greater the tendency of consumptive behavior shown by students.