Digital Payments and Consumptive Behavior in Indonesian Society

Abstract

The implementation of digital payments such as QRIS and e-wallets has changed transaction and consumption patterns among Indonesians, especially among students and the younger generation. The purpose of this article is to examine the influence of digital payments (QRIS and e-wallets) on consumer behavior among Indonesians. The method used in this article is descriptive narrative. The findings indicate that the ease of access and various promotional features influence increased consumer behavior, particularly in impulsive purchases and reduced self-control in managing digital finances. Psychological factors such as low self-control, hedonistic motivation, and social influence are mentioned as the main triggers, while digital financial literacy also influences consumptive behavior. Therefore, strengthening financial literacy and emotional and self-control is very important to maximize the use of digital technology while reducing the risk of consumptive behavior in the current digital era.