Layanan Dompet Digital, Layanan PayLater, Perilaku Konsumtif: Mental Accounting Sebagai Variabel Moderasi

Abstract

This research was conducted using a quantitative approach, which aims to determine the relationship between digital wallet services, PayLater services, consumptive behavior: metal accounting as a moderation variable. The subject of this study was a student of the Faculty of Economics and Business Management Study Program class of 2019 with a sample of 162 respondents taken. The type of sampling used is convenience sampling where data collection is carried out through the distribution of questionnaires online. The collected data was tested using the Moderate Regression Analysis (MRA) technique. The results of the study show that digital wallet services have a positive effect on consumptive behavior, PayLater services have a positive effect on consumptive behavior, mental accounting can weaken the relationship between digital wallet services and PayLater services on consumptive behavior.

Penelitian ini dilakukan dengan menggunakan pendekatan kuantitatif, dimana bertujuan untuk mengetahui hubungan layanan dompet digital, layanan PayLater, perilaku konsumtif: metal accounting sebagai variabel moderasi. Subjek penelitian ini adalah mahasiswa Fakultas Ekonomika dan Bisnis Program Studi Manajemen angkatan 2019 dengan diambil jumlah sampel sebanyak 162 responden. Jenis sampling yang digunakan yaitu convenience sampling dimana pengumpulan data dilakukan melalui penyebaran kuesioner secara online. Data yang telah terkumpul diuji degan menggunakan teknik Moderate Regression Analysis (MRA). Hasil studi menunjukkan bahwa layanan dompet digital berpengaruh positif terhadap perilaku konsumtif, layanan PayLater berpengaruh positif terhadap perilaku konsumtif, mental accounting mampu memperlemah hubungan layanan dompet digital dan layanan PayLater terhadap perilaku konsumtif.