The Influence of Financial Literacy, Digital Payment Systems, and Lifestyle on Transaction Decisions Using QRIS among Students of the Faculty of Economics and Business, Universitas Negeri Padang

Wiwik Sugiati, Herlinda Fitri Febriyanti

Abstract


This study aims to analyze the influence of financial literacy, digital payment systems, and lifestyle on QRIS transaction decisions among students of the Faculty of Economics and Business, Padang State University. This study uses a quantitative approach with a purposive sampling method, where data were collected from 100 respondents through questionnaires and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that partially and simultaneously financial literacy, digital payment systems, and lifestyle simultaneously have a positive and significant effect on QRIS transaction decisions among students of the Faculty of Economics and Business, Padang State University. This study is supported by the Theory of Planned Behavior (TPB) which explains that financial literacy is related to perceived behavioral control, digital payment systems are related to attitudes toward behavior, and lifestyle is related to subjective norms.


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DOI: https://doi.org/10.17509/ijdb.v5i4.100835

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