Pengaruh Penggunaan Digital Payment ShopeePay, Online Shopping dan Spending Habit terhadap Pengelolaan Keuangan Pribadi Karyawan Swasta
Keywords:
digital payment, Shopeepay, online shopping, spending habit, personal financial managementAbstract
The rapid advancement of digital technology has fundamentally transformed individual financial behavior, particularly through the increasing use of digital payment systems and online shopping platforms. This study aims to examine the influence of digital payment usage (ShopeePay), online shopping, and spending habits on personal financial management among private-sector employees. A quantitative approach with a causal associative research design was employed. Data were collected using structured questionnaires distributed to private employees who actively use ShopeePay and engage in online shopping activities. The data were analyzed using multiple linear regression techniques. The findings indicate that the use of digital payment services does not automatically enhance personal financial management, suggesting that convenience in digital transactions may not always translate into better financial control. In contrast, online shopping activities play a more prominent role in shaping structured financial management behavior. Meanwhile, spending habits do not demonstrate a consistent influence on personal financial management. Simultaneously, digital payment usage, online shopping, and spending habits collectively contribute to explaining variations in personal financial management in the digital era. These results highlight the importance of strengthening financial literacy and promoting responsible use of financial technology to ensure that digital convenience supports financial planning and control rather than encouraging excessive consumption.References
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