PENGARUH GAYA HIDUP, PERILAKU FINANCIAL, DAN KEMUDAHAN MEDIA PEMBAYARAN CASHLESS TERHADAP PERILAKU KONSUMTIF GEN Z DI KOTA SAMARINDA

Abstrak

Currently, the development of technology and information that is rapidly increasing the economic sector has finally made people more often in shopping and consuming things. The increasing consumption pattern is also due to the high fulfillment of the Generation Z lifestyle supported by the development of cashless payment media that provides benefits for its users with the convenience offered by the payment media. This allows people to behave consumptively, but it depends on the person's financial behavior. Financial behavior is a form of behavior in managing, managing, and making financial decisions with the aim of avoiding financial risks in the future. The purpose of this study is: to determine the influence of Lifestyle, Financial Behavior, Ease of Cashless Payment Media both partially and simultaneously on Consumptive Behavior. The research method used in this study is to use a quantitative method by using a questionnaire in collecting data. The population used is Gen Z who live in Samarinda City and uses 100 people as a sample and respondents for this study. The results of the analysis in this study show that lifestyle partially has a significant effect on consumptive behavior. Then financial behavior partially does not have a significant effect on consumptive behavior. And the convenience of cashless payment media partially does not have a significant effect on consumptive behavior. As well as lifestyle variables, financial behavior, and the ease of cashless payment media simultaneously affect the consumptive behavior of Gen Z in Samarinda City.