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Nexus between Financial Technology, Financial Literacy, and Self-control on The Consumptive Behavior of Online Shopping Among Productive Age

In: Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024)

Author

Listed:
  • Putri Fariska

    (Telkom University, School of Economics and Business)

  • Lola Indah Yolanda Rumapea

    (Telkom University, School of Economics and Business)

  • Mochamad Malik Akbar Rohandi

    (Universitas Islam Bandung, School of Economics and Business)

Abstract

The city of Bandung is included in the province of West Java, which is popular as the Flower City and Paris Van Java, or the city of shopping. The city of Bandung has a high level of consumption, causing a high level of consumptive behavior in the tier 1 position representing West Java. In addition, it has the highest level of online lending in Indonesia with the aim of fulfilling one’s lifestyle. Therefore, this study focuses on financial technology, financial literacy, and self-control in consumptive behavior at a productive age in Bandung City. This research is to analyze the relationship between financial technology, financial literacy, self-control, and consumptive behavior. This research was conducted using quantitative methods with multiple linear regression analysis techniques. Data was collected through questionnaire results, with a sample of 400 respondents from Bandung City’s productive-age population. This study shows that financial technology has no significant effect on consumptive behavior. Financial literacy has a significant effect on consumptive behavior. Self-control has no significant effect on consumptive behavior. Simultaneously or jointly, financial technology, financial literacy, and self-control have a significant effect on consumptive behavior.

Suggested Citation

  • Putri Fariska & Lola Indah Yolanda Rumapea & Mochamad Malik Akbar Rohandi, 2024. "Nexus between Financial Technology, Financial Literacy, and Self-control on The Consumptive Behavior of Online Shopping Among Productive Age," Advances in Economics, Business and Management Research, in: Suhal Kusairi & Forget Mingiri Kapingura & Putri Fariska Sugestie & Nizam Ahmat (ed.), Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024), pages 463-479, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-558-4_27
    DOI: 10.2991/978-94-6463-558-4_27
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