The Relationship Between E-Wallet Usage and Consumption Behavior of Accounting Education Students at PGRI Palembang University
DOI:
https://doi.org/10.31851/jmwe.v23i2.22163Keywords:
E-wallet, Consumption behavior, Student, digital transaction, accounting eduactionAbstract
The growth of digital transactions has encouraged university students to use e-wallets for academic and non-academic needs. Ease of access, promotions, discounts, and cashback may reshape spending patterns because digital payments are fast and psychologically less tangible. This study aims to examine the relationship between e-wallet use and consumption behavior among Accounting Education students at Universitas PGRI Palembang. A quantitative correlational design was employed. The population and sample consisted of 80 students from the Accounting Education Study Program, Faculty of Teacher Training and Education, Universitas PGRI Palembang, cohorts of 2022, 2023, 2024, and 2025. Data were collected using a 1-5 Likert-scale questionnaire and documentation, and were analyzed using descriptive statistics, normality testing, Pearson Product Moment correlation, t-test, F-test, and coefficient of determination. The results show that students' e-wallet use was high and their consumption behavior was shaped by transaction convenience and promotional incentives. The Pearson correlation yielded r = 0.434, exceeding the r table value of 0.227, with Sig. = 0.000, indicating a positive and significant relationship. Regression output showed F = 18.097 with Sig. = 0.000 and R² = 0.188. Thus, e-wallet use explains 18.8% of the variance in students' consumption behavior, while the remaining 81.2% is influenced by other factors such as financial literacy, self-control, lifestyle, income, social environment, and digital technology development. The study concludes that e-wallet use is significantly related to students' consumption behavior, although digital financial literacy remains essential for responsible payment behavior.
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