Skripsi

Gen z\'s cashless behaviour: how qris moderating digital financial literacy and spending behaviour on e-wallet utilization? / Salsabilla Luay Natswa

Abstrak
E-Wallet one of the mobile payment systems has continued to dominate Indonesia since 2017. Besides e-wallets QRIS occurrence in 2020 is also estimated as a critical factor in e-wallets successes. Generation Z supported this condition as a digital native and was labelled the most technologically savvy generation. That is why e-wallets along with QRIS predicted as the best solution for Gen Z s demand. Nevertheless this easiness could lead to lousy spending behaviour if not accompanied by excellent digital financial literacy. This study aims to determine how digital financial literacy and spending behaviour affect e-wallet utilization moderated by QRIS Barcode. Structural Equation Models using SMART PLS 3.0 are used for analysing 403 samples of Generation Z in Malang City. The result showed that digital financial literacy positively affected e-wallet utilization. In contrast spending behaviour does not affect e-wallet utilization on offline payment transactions. Subsequently the QRIS barcode has a negative correlation with digital financial literacy and spending behaviour interaction with e-wallet utilization. Hence QRIS was determined as a quasi moderator.

Informasi Detail

DDC

Rs 332.024 NAT p

Prodi

Universitas Negeri Malang. Program Studi Manajemen, 2018.

Deskripsi Fisik

x, 61 lembar: ilus. ; 30cm

Bahasa

Indonesia

No Reg

07844/KI/22

Edisi

Skripsi (Sarjana)--Universitas Negeri Malang. 2018

Subjek

1. LITERASI KEUANGAN
2. FINANCIAL LITERATURE

Pembimbing

1. Subagyo

Lampiran Berkas