THE INFLUENCE OF E-WALLET USE, FEAR OF MISSING OUT (FOMO), AND CONSUMPTIVE BEHAVIOR ON STUDENT FINANCIAL MANAGEMENT IN THE ERA OF DIGITAL LOANS

Ajeng Rizqi Ramandhani Putri; Aisha Hanif

doi:10.61796/jaide.v3i4.1876

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Ajeng Rizqi Ramandhani Putri Muhammadiyah University of Sidoarjo, Indonesia
Aisha Hanif
[email protected]
Muhammadiyah University of Sidoarjo, Indonesia

Vol. 3 No. 4 (2026): Journal of Artificial Intelligence and Digital Economy

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April 20, 2026

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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.

Putri, A. R. R., & Hanif, A. (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), 26–46. https://doi.org/10.61796/jaide.v3i4.1876

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