Putri, Ajeng Rizqi Ramandhani and Hanif, Aisha (2026) THE INFLUENCE OF E-WALLET USE, FEAR OF MISSING OUT (FOMO), AND CONSUMPTIVE BEHAVIOR ON STUDENT FINANCIAL MANAGEMENT IN THE ERA OF DIGITAL LOANS. Journal of Artificial Intelligence and Digital Economy, 3 (4). ISSN 3032-1077

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Abstract

Objective: This study aims to analyze the influence of digital wallet usage, Fear of Missing Out (FoMO), and consumerist behavior on students’ financial management in the era of digital lending. Method: This study employs a quantitative approach using primary data collected through a questionnaire distributed to active students at Muhammadiyah University of Sidoarjo. A total of 100 respondents were analyzed using multiple linear regression with the assistance of SPSS version 26. Results: The results indicate that the use of digital wallets has a positive and significant influence on students’ financial management, whereas Fear of Missing Out (FoMO) has a negative and significant influence. Additionally, consumptive behavior has a positive and significant influence on students’ financial management. Novelty: These findings suggest that the use of digital financial technology, social pressure, and experiences with consumptive behavior play a role in shaping students’ financial management in the era of digital lending.

Item Type:	Article
Uncontrolled Keywords:	Digital Wallets, Fear of Missing Out (FoMO), Consumptive Behavior, Financial Management, Digital Lending
Subjects:	H Social Sciences
Depositing User:	admin eprints
Date Deposited:	01 Aug 2026 09:44
Last Modified:	01 Aug 2026 09:44
URI:	http://eprints.umsida.ac.id/id/eprint/16892

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