Implications of the Use of Fintech Payment on Consumptive Behavior
Main Article Content
Abstract
The development of digital technology, especially fintech payments, has significantly changed people's consumption behavior, especially among millennials and Gen-Z. This phenomenon is characterized by the increasing use of digital payment platforms such as e-wallets and mobile banking, which provide ease and convenience in transactions. The rapid growth of fintech payments can potentially affect the consumption patterns and financial management of the younger generation, so it is important to study it more deeply. This study aims to analyze the implications of the use of fintech payments on the consumptive behavior of the millennial and Gen-Z generations. The research method uses a qualitative approach with data collection techniques through the dissemination of questionnaires with the help of social media. The main findings revealed ease of use, usefulness, and external factors (social environment, technological innovation, and digital capabilities). Fintech payments have a dual impact on the consumptive behavior of millennials and Gen-Z. While this technology offers unprecedented convenience and efficiency, fintech payments also have the potential to encourage consumptive behavior. In the future, it is necessary to increase financial literacy and understanding of Islamic consumption principles, so that consumptive behavior can be overcome and controlled at reasonable and safe limits.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Affan, M. W., & Ustma. Analisis Penggunaan Fintech: Perspektif Technology Acceptance Model. Jurnal Riset Akuntansi dan Keuangan, 10(1), 31-40. https://doi.org/10.17509/jrak.v10i1.34836.
Afifa, Y., & Yarham, M. (2023). Dampak Penggunaan QRIS Pada Pelaku UMKM di Kota Padangsidimpuan Sumatera Utara (Studi Kasus Pada Coffe Shop Kopi Koe). Niqosiya: Journal of Economics and Business Research, 3(2), 378-384. https://doi.org/10.21154/niqosiya.v3i2.2527.
Afrina, D. (2019). Rasionalitas muslim terhadap perilaku israf dalam konsumsi perspektif ekonomi islam. EkBis: Jurnal Ekonomi Dan Bisnis, 2(1), 23-38. https://doi.org/10.14421/EkBis.2018.2.1.1088.
Afriyanti, D. (2022). Dampak Penggunaan QRIS pada UMKM di Kota Pekanbaru dalam Rangka Mendorong Perkembangan Ekonomi Digital. Jurnal Khazanah Ulum Perbankan Syariah (JKUPS), 7(1), 1-6. https://doi.org/10.56184/jkupsjournal.v6i2.209.
Alidha, M., Sari, A. P., Sopiatunnisa, R., Azzahra, A., & Nurhalizah, L. (2024). Analisis Dampak Digitalisasi Layanan Perbankan terhadap Loyalitas Nasabah di Era Revolusi Industri 4.0. Contemporary Journal of Applied Sciences, 2(3). https://doi.org/10.55927/cjas.v2i3.9681.
Ananda, S. E., Rahayu, N. J., & Rahmadianita, R. (2024). Pengaruh Penggunaan Shopeepay Terhadap Perilaku Konsumtif Mahasiswa Universitas Airlangga. Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi, 12(7), 131-140. https://doi.org/10.8734/musytari.v12i7.9103.
Bergsten, E. E. (1966). Credit Cards--A Prelude to the Cashless Society. BC Indus. & Com. L. Rev., 8, 485.
BI. (2024). Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP) November 2024.
Billewar, S. R., Jadhav, K., Sriram, V. P., Arun, D. A., Mohd Abdul, S., Gulati, K., & Bhasin, D. N. K. K. (2022). The rise of 3D E-Commerce: the online shopping gets real with virtual reality and augmented reality during COVID-19. World Journal of Engineering, 19(2), 244-253. https://doi.org/10.1108/WJE-06-2021-0338.
Danella, T. D., & Sihabuddin, H. (2015). Bitcoin sebagai alat pembayaran yang legal dalam transaksi online. Brawijaya Law Student Journal, 1-17.
Derang, I., Ginting, A. A. Y., & Siringo-ringo, Z. M. (2024). The Relationship Between Self-Concept and Consumptive Behavior in Nurse Students Grade II. Indonesian Journal of Global Health Research, 6(4), 2315-2324. https://doi.org/10.37287/ijghr.v6i4.3493.
Emilda, E., Nurkholis, K. M., & Putri, A. U. (2024). Adakah Pengaruh Peningkatan Transaksi Pembayaran Nontunai terhadap Jumlah Uang Beredar selama Pandemi Covid-19. Jesya (Jurnal Ekonomi dan Ekonomi Syariah), 7(1), 1168-1182. https://doi.org/10.36778/jesya.v7i1.1573.
Farhan, A., & Shifa, A. W. (2023). Penggunaan metode pembayaran QRIS pada setiap UMKM di era digital. Jurnal Pengabdian Kepada Masyarakat Nusantara, 4(2), 1198-1206. https://doi.org/10.55338/jpkmn.v4i2.1045.
Giang, N. T. P., Tan, T. D., & Duy, N. B. P. (2024). The Adoption of Electronic Payments in Online Shopping: The Mediating Role of Customer Trust. International Journal of Advanced Computer Science & Applications, 15(9). https://doi.org/10.14569/ijacsa.2024.0150990.
Haqq, D. S. A., & Hwihanus, H. (2024). Analisis Pengaruh Pembayaran Non Tunai (Cashless) terhadap Pendapatan Umkm di Kantin Universitas 17 Agustus 1945. Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi, 9(5), 81-90. https://doi.org/10.8734/musytari.v9i5.6454.
Hermawan, E., & Vikaliana, R. (2023). The relationship of socio-economic status to emotional and consumptive behavior. Asian Journal of Management, Entrepreneurship and Social Science, 3(01), 214-226.
Kamilah, F., Khairani, Z., & Soviyanti, E. (2024). Pengaruh Fintech Payment dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Mahasiswa Akuntansi Universitas Lancang Kuning. Jurnal Daya Saing, 10(2), 333-339. https://doi.org/10.35446/dayasaing.v10i2.1636.
Kholizah, A. N., & Sulton, M. (2025). Pengaruh Gaya Hidup, Persepsi Kemudahan Dan Literasi Keuangan Terhadap Perilaku Konsumtif Pengguna Shopee Pay Latter Pada Gen Z. YUME: Journal of Management, 8(1), 127-137. https://doi.org/10.37531/yum.v8i1.7917.
Kurniawan, C. (2017). Analisis faktor-faktor yang mempengaruhi perilaku konsumtif ekonomi pada mahasiswa. Jurnal Media Wahana Ekonomika, 13(4). https://doi.org/10.31851/jmwe.v13i4.2709.
Kurniati, P. N., & Nugroho, B. Y. (2019). Urgensi Pelaksanaan Sistem Cashless Government dalam Membangun Birokrasi yang Transparan dan Akuntabel. Jurnal Administrasi Publik (Public Administration Journal), 9(2), 136-150. https://doi.org/10.31289/jap.v9i2.2655.
Kusumar, F., & Mendari, A. S. (2022). Fintech payment: Pengaruhnya pada perilaku manajemen keuangan mahasiswa di Palembang. Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi, 19(2), 69-76. https://doi.org/10.31315/be.v19i2.8065.
Kusuma, R. L. A., Mulyadi, D., & Sandi, S. P. H. (2023). Pengaruh Fintech Payment, Lifestyle Pattern Dan Financial Knowledge Terhadap Financial Behavior Pada Ibu Rumah Tangga Di perumahan Citra Kebun Mas. Management Studies and Entrepreneurship Journal (MSEJ), 4(5), 5717-5726. https://doi.org/10.37385/msej.v4i5.2939.
Lesmana, T. (2023). Analisis Perilaku Konsumen Generasi Milenial Dalam Berbelanja Online. Jurnal EBI, 5(2), 46-56. https://doi.org/10.52061/ebi.v5i2.175.
Liu, R. (2015). The role of Alipay in China. Nijmegen, Radboud University, Nijmegen, The Netherlands, retrieved from: www. ru. nl/publish/pages/769526/z01_rongbing_liu. pdf.
Masykuroh, E. (2008). Pengantar Teori Ekonomi: Pendekatan pada Teori Ekonomi Mikro Islam. Ponorogo: STAIN Ponorogo Press.
Nuraini, U. (2023). Dinamika Perbankan Syariah di Era Digital: Tantangan, Inovasi, dan Arah Masa Depan. ACTIVA: Jurnal Ekonomi Syariah, 6(2), 1-12.
Pambudi, R. D. (2019). Perkembangan fintech di kalangan mahasiswa UIN Walisongo. Harmony: Jurnal Pembelajaran IPS Dan PKN, 4(2), 74-81. https://doi.org/10.15294/harmony.v4i2.36456.
Peraturan Bank Indonesia Nomor 19/12/PBI/2017 Tentang Penyelenggaraan Teknologi Finansial.
Putri, C. S., & Sutjipto, T. S. (2022). Analysis of Consumer Behavior in Online Shopping: Islamic Perspective. Airlangga International Journal of Islamic Economics & Finance, 5(1). 10.20473/aijief.v5i01.37475.
Putri, D. C. P., & Lutfianti, A. (2024). Peran Teknologi Finansial FinTech dalam Mengubah Layanan Perbankan Tradisional. Media Hukum Indonesia (MHI), 2(4). https://doi.org/10.5281/zenodo.14067398.
Qur’anisa, Z., Herawati, M., Lisvi, L., Putri, M. H., & Feriyanto, O. (2024). Peran Fintech Dalam Meningkatkan Akses Keuangan di Era Digital: Studi Literatur. GEMILANG: Jurnal Manajemen dan Akuntansi, 4(3), 99-114. https://doi.org/10.56910/gemilang.v4i3.1573.
Randes, Y. P. R., & Veri, J. (2025). Dampak Pandemi Covid-19 terhadap Perkembangan E-Commerce di Indonesia. JEKIN-Jurnal Teknik Informatika, 5(1), 204-211. https://doi.org/10.58794/jekin.v5i1.1107.
Rarawahyuni, Ika. "The Theoretical Review of Consumption in Islam on Wasting Food Behavior (Tabdzir) in Indonesia." Jurnal Pengabdian Mandiri 1, no. 2 (2022): 143-154.
Reshadi, F., & Fitzgerald, M. P. (2023). The pain of payment: A review and research agenda. Psychology & Marketing, 40(8), 1672-1688. https://doi.org/10.1002/mar.21825.
Raharjo, B. (2021). Fintech Teknologi Finansial Perbankan Digital. Penerbit Yayasan Prima Agus Teknik, 1-299.
Sari, R. (2021). Pengaruh Penggunaan Paylater terhadap perilaku impulse buying pengguna e-commerce di Indonesia. Jurnal Riset Bisnis Dan Investasi, 7(1), 44-57.
Wibowo, S. N., Rismawati, S. D., Ma’shum, K., Surur, T., & Adinugraha, H. H. (2024, July). Pay Later System and Students Impulsive Buying: Islamic Perspective in the Digital Era. In Faculty of Economics and Business International Conference (FEBIC) (pp. 290-299).
Widiastuti, C. T., Universari, N., & Setiawan, I. N. (2023). Analisis Gaya Hidup Sebagai Variabel Mediasi pada Perilaku Konsumtif Belanja Online. Solusi, 21(4), 779-791. http://dx.doi.org/10.26623/slsi.v21i4.7497.
Widiyati, S., Listyani, T. T., & Rois, M. (2022). Studi Tentang Korelasi Antara Preferensi Pembayaran Dengan Variabel Sosial Demografi. Keunis, 10(1), 22-32. http://dx.doi.org/10.32497/keunis.v10i1.3070,
Widjaja, G. (2024). Maqasid Syariah Dalam Regulasi Fintech. Borneo: Journal of Islamic Studies, 5(1), 23-36. https://doi.org/10.37567/borneo.v5i1.3355.
Wulandari, C. S., (2023). Dompet Digital Naik Daun, Membetot Minat Kala Pandemi. Bank Indonesia. diakses pada https://www.bi.go.id/id/bi-institute/BI-Epsilon/Pages/Dompet-Digital--Naik-Daun,-Membetot-Minat-Kala-Pandemi.aspx.
Yusepa, W. Y., Kamilawati, A., Agesti, P. T., & Sanjaya, V. F. (2024). Peran Competitive Advantage Dalam Menarik Konsumen Di Pasar Lokal (Studi Pada Topshop Bandar Lampung). Al-A'mal: Jurnal Manajemen Bisnis Syariah, 1(2), 29-40.