Analysis of Digital Consumption Patterns of Digital Wallet Transaction Users in Indonesian Big Cities

Authors

  • Agus Dwi Santoso Politeknik Pelayaran Surabaya
  • Retno Sawitri Wulandari Sekolah Tinggi Ilmu Pelayaran
  • Andriya Risdwiyanto Universitas Proklamasi 45
  • Nazaruddin Ahmad Universitas Islam Negeri Ar-Raniry Banda Aceh
  • Loso Judijanto IPOSS Jakarta

DOI:

https://doi.org/10.60083/jsisfotek.v5i4.316

Keywords:

Consumption Pattern, E-Wallet, Lifestyle

Abstract

This research aims to analyze how consumption patterns and transaction utilization have changed for young people when using e-wallet transactions. The research conducted by the author used a qualitative approach. In this research, the samples obtained by researchers used a purposive sampling method with a sample size of 100. This research used data collection techniques, including interviews, documentation, and a literature study. The raw data has been collected using interview and documentation data collection techniques, which the author then processes and analyzes. Based on research results, it was found that urban youth have currently experienced evolution or changes in the essence of consumption patterns. Consumption, which is actually a common life phenomenon that will never be replaced, has begun to shift in essence from the motivation of consumption to survive and fulfill needs to consumption to satisfy desires and lifestyle. The presence of digital transactions is here to meet these changes in consumption patterns. In a way, both of them have a mutual influence between consumption patterns, which are increasing in purchasing primary and secondary goods, and the high use of e-wallets, which is proven by the high circulation of money from year to year.

References

Baudrillard, Jean. (2018). Consumer Society. Seventh. edited by A. Sumrahadi. Jogjakarta: KREASI WACANA.

MAMUSUNG, R. T., NIMRAN, U., SUHARYONO, S., & KUSUMAWATI, A. (2021). The Effect of Relationship Marketing on Service Quality and Customer Loyalty: An Empirical Study in Indonesia. The Journal of Asian Finance, Economics and Business (JAFEB), 8(7), 533-543.

Mamusung, R. T., Kusumawati, A., Nimran, U., & Suharyono, S. (2019). Building Customer Loyalty through Service Quality and Customer Trust. Wacana Journal of Social and Humanity Studies, 22(4).

Mamusung, R. T., & Rasjid, E. Pengaruh Komitmen Perusahaan Terhadap Loyalitas Pelanggan Supermarket di Kota Manado. Jurnal Administrasi Bisnis, 9(1), 71-80.

Pramudito, D. K., Arijanti, S., Rukmana, A. Y., Oetomo, D. S., & Kraugusteeliana, K. (2023). The Implementation of End User Computing Satisfaction and Delone & Mclean Model to Analyze User Satisfaction of M. TIX Application. Jurnal Informasi dan Teknologi, 5(3), 7-12.

Bakri, A. A., Wandanaya, A. B., Violin, V., & Fauzan, T. R. (2023). The Application of UTAUT Modified Model to Analyze the Customers Use Behavior of Shopee Paylater. Jurnal Sistim Informasi dan Teknologi, 96-101.

Sutrisno, S., Wulandari, W., Violin, V., Supriyadi, A., & Tawil, M. R. (2023). Prioritization of the Best Online Platform for MSMEs Using Simple Additive Weighting Method. Journal on Education, 5(3), 10265-10275.

Violin, V. (2022). Influence Leadership, Competence and Motivation To Performance Employee Service Health Regency Bay Bintuni West Papua Province. J. Adm. J. Pemikir. Ilm. dan Pendidik. Adm. Perkantoran, 9(2), 305-310.

Pramudito, D. K., Mursitama, T., Abdinagoro, S. B., & Tanuraharjo, H. H. (2021). THE INFLUENCE OF BIG DATA RECOMMENDATION: AN APPROACH ON E-LOYALTY OF E-GROCERY BUSINESS. Psychology and Education, 58(2), 3550-3564.

Violin, V., Hasan, S., & Sufri, M. (2022). Analysis of the Influence of Marketing Technology Concepts, Service Quality, and Low-Cost Carrier on Customers and Customer Loyalty on Lion Air Airlines in Indonesia. Journal of Management Science (JMAS), 5(3), 64-73.

Sudirjo, F., Violin, V., Hutabarat, A. S., Indriani, L., & Utami, B. (2023). The Application of Extended Expectation-Confirmation Model to Identify Influencing Factors Digital Loyalty for Mobile-Based Travel Platform. Jurnal Sistim Informasi dan Teknologi, 162-166.

Alfalah, N. J., Hasni, D., & Febrianto, B. Y. (2022). Hubungan Obesitas dengan Kejadian Hipertensi pada Perempuan Minangkabau. Poltekita: Jurnal Ilmu Kesehatan, 15(4), 360-364.

Pramudito, D. (2021). The Moderation Effect of e-Trust and Big Data Quality in e-Grocery: An Empirical Research from Outside of Java Island. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(10), 6445-6459.

Negara, M. E. P., Triansyah, I., Hasni, D., & Febrianto, B. Y. (2022). Hubungan Intensitas Penggunaan Earphone dengan Derajat Gangguan Pendengaran pada Mahasiswa Fakultas Kedokteran Universitas Baiturrahmah. Scientific Journal, 1(3), 229-236.

Abdullah, D., Febrianto, B. Y., Dewi, N. P., Vani, A. T., & Ulfah, F. C. (2022). The Effectiveness of 80% Kefir Gel Against The Overview The Number of Fibroblasts in Healing Cuts Mice (Mus Musculus). Jurnal Kesehatan Prima, 16(1), 18-24.

Safrida, S., Tannady, H., Solissa, E. M., Sapulete, H., & Al Haddar, G. (2023). Strategic Leadership Analysis of School Principal to Improve Learning Quality. Jurnal Pendidikan dan Kewirausahaan, 11(2), 391-399.

Simamora, R. N. H., & Elviani, S. (2022). Carbon emission disclosure in Indonesia: Viewed from the aspect of board of directors, managerial ownership, and audit committee. Journal of Contemporary Accounting, 1-9.

Marjoni, M. R., & Zulfisa, A. (2017). Antioxidant activity of methanol extract/fractions of senggani leaves (Melastoma candidum D. Don). Pharm Anal Acta, 8(8), 1-6.

Marjoni, M. R. (2018). Phenolics compounds, flavonoids, and antioxidant activity methanol extract of arum manis leaves (Mangifera indica L. Var. Arumanis). International Journal of Green Pharmacy (IJGP), 12(03).

Pramudito, D. K., Nuryana, A., Assery, S., Purnomo, H., & Bakri, A. A. (2023). Application of Unified Theory of Acceptance, Use of Technology Model and Delone & Mclean Success Model to Analyze Use Behavior in Mobile Commerce Applications. Jurnal Informasi Dan Teknologi, 5(3), 1-6.

Marjoni, M. R. (2018). Antidiabetes effects-Combination of cowpea juice (Vigna sinensis L.), tomato juice (Solanum lycopersicum L.), and green apple juice (Malus sylvestris Mill.) in white male mice. International Journal of Green Pharmacy (IJGP), 12(03).

Pandiangan, S. M. T., Wahdiniawati, S. A., Pratiwi, R., Budiarto, B. W., & Arief, I. (2023). Business Strategy Assistance and Training for Micro, Small, and Medium Enterprises. Jurnal Pengabdian Mandiri, 2(10), 2129-2134.

Wahdiniawati, S. A., & Sarinastiti, N. (2023). Employee Development: Analysis Organization Culture, Competence and Mentoring: A Literature Review. International Journal of Business and Applied Economics, 2(2), 295-308.

Apriani, A., Wahdiniawati, S. A., & Liana, E. (2023). Determinant of Employee’s Turnover Intention: The Analysis of Career Development, Organization Justice, and Trust in Organization. International Journal of Scientific Multidisciplinary Research, 1(6), 679-690.

Wahdiniawati, S. A., Sari, W., Tukiyo, T., Puspitasari, T., & Pepilina, D. (2023). Implementation of Teachers’ Pedagogy in Developing Basic Competence in Subject that Contain Metacognitive. Journal on Education, 5(4), 15025-15029.

Majid, S., Nugraha, A., Sulistiyono, B., Suryaningsih, L., Widodo, S., Kholdun, A., ... & Endri, E. (2022). The effect of safety risk management and airport personnel competency on aviation safety performance. Uncertain Supply Chain Management, 10(4), 1509-1522.

Rembulan, G. D., Akhirianto, P. M., Priyono, D., Pramudito, D. K., & Irwan, D. (2023). Evaluation and Improvement of E-Grocery Mobile Application User Interface Design Using Usability Testing and Human Centered Design Approach. Jurnal Sistim Informasi dan Teknologi, 41-45.

Firmansyah, Herlan, and Wiji Purwanta. (2014). High School/MA Economics Teacher's Guidebook Contains Central Banking. Bank Indonesia; Kementerian Pendidikan dan Kebudayaan Republik Indonesia.

Pramudito, D. K., Ginting, R. U. B., Sekianti, A., & Baresi, I. S. (2023). Analysis of E-Commerce User Acceptance of Technology-Based Loan Application Features Using The UTAUT Model. Jurnal Informasi dan Teknologi, 5(3), 36-42.

Hapsari, Paramita W., Sudung M. Manurung, and Putri Andam Dewi. (2017). Consumption and Production Behavior of Fan Communities. Wahana, 1(12), 44–52.

Ramadani, Laila. (2016). The Effect of Using Debit Cards and Electronic Money (E-Money) on Student Consumption Expenditures. Jurnal Ekonomi Dan Ekonomi Studi Pembangunan, 8(1), 1–8.

Downloads

Published

08-11-2023

How to Cite

Santoso, A. D., Wulandari, R. S. ., Risdwiyanto, A. ., Ahmad, N. ., & Judijanto, L. . (2023). Analysis of Digital Consumption Patterns of Digital Wallet Transaction Users in Indonesian Big Cities. Jurnal Sistim Informasi Dan Teknologi, 5(4), 25–31. https://doi.org/10.60083/jsisfotek.v5i4.316

Issue

Section

Articles