Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi

Vol. 25 No. 10 (2026): Musytari: Neraca Manajemen, Akuntansi, dan Ekonomi, ISSN 3025-9495
Articles

CASHLESS PAYMENT USAGE TERHADAP PERILAKU KONSUMTIF GENERASI Z DI KOTA PADANG DENGAN FINANCIAL SELF-CONTROL SEBAGAI VARIABEL MODERASI

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  • Ririn Juliani,
  • Endrawati,
  • Desi Handayani
Ririn Juliani
Program Studi Sarjana Terapan Akuntansi, Jurusan Akuntansi, Politeknik Negeri Padang, Padang, Indonesia
Endrawati
Jurusan Akuntansi, Politeknik Negeri Padang, Padang, Indonesia
Desi Handayani
Jurusan Akuntansi, Politeknik Negeri Padang, Padang, Indonesia

Published 2026-09-30

Keywords

  • Cashless Payment Usage,
  • Perilaku Konsumtif,
  • Financial Self-Control,
  • Generasi Z,
  • PLS-SEM

How to Cite

CASHLESS PAYMENT USAGE TERHADAP PERILAKU KONSUMTIF GENERASI Z DI KOTA PADANG DENGAN FINANCIAL SELF-CONTROL SEBAGAI VARIABEL MODERASI. (2026). Musytari : Jurnal Manajemen, Akuntansi, Dan Ekonomi, 25(10). https://journal.cib.institute/index.php/musytari/article/view/4704

Abstract

Perkembangan teknologi finansial mendorong peningkatan penggunaan pembayaran non-tunai (cashless payment) pada Generasi Z, termasuk di Kota Padang, yang berpotensi memengaruhi kecenderungan perilaku konsumtif melalui kemudahan dan kecepatan transaksi. Kemampuan pengendalian diri dalam keuangan (financial self-control) diduga berperan penting dalam mengendalikan dampak tersebut, namun penelitian yang secara khusus mengujinya sebagai variabel moderasi masih terbatas. Penelitian ini bertujuan menganalisis pengaruh cashless payment usage dan financial self-control terhadap perilaku konsumtif, serta menguji peran financial self-control dalam memoderasi pengaruh cashless payment usage terhadap perilaku konsumtif Generasi Z di Kota Padang. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory survey dan purposive sampling terhadap 180 responden Generasi Z pengguna cashless payment, yang dianalisis menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM)
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