Novfrida, Kaisya Dinsa (2025) Pengaruh Persepsi Kemudahan Dan Manfaat Pembayaran Digital Terhadap Perilaku Overspending Dengan Literasi Keuangan Digital Sebagai Variabel Moderasi Pada Generasi Z Di Surabaya. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
This study aims to examine how perceived ease of use and perceived usefulness of digital payment systems influence overspending behavior among Generation Z in Surabaya, with digital financial literacy as a moderating variable. The study employed a quantitative approach using a survey method. Data were collected from 151 Generation Z respondents residing in Surabaya who actively use digital /payment systems. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software to test the relationships between variables. The findings reveal that both perceived ease of use and perceived usefulness have a significant positive effect on overspending behavior. Furthermore, digital financial literacy moderates these relationships, reducing the tendency of overspending by enhancing financial awareness and self-control in digital transactions. The results highlight the importance of strengthening digital financial literacy among young consumers to ensure sustainable digital financial behavior. Policymakers, fintech firms, and educators can use these findings to design educational programs that promote responsible financial habits, supporting broader economic stability and inclusive digital growth.
| Item Type: | Thesis (Undergraduate) | ||||||||||||
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| Subjects: | H Social Sciences > HG Finance H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance |
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| Divisions: | Faculty of Economic and Business > Departement of Management | ||||||||||||
| Depositing User: | Kaisya Dinsa Novfrida | ||||||||||||
| Date Deposited: | 04 Dec 2025 08:41 | ||||||||||||
| Last Modified: | 04 Dec 2025 08:41 | ||||||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/47883 |
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