Publikasi
Karya Ilmiah MahasiswaPencarian Spesifik
Kunjungan
The transformation of the payment system toward a cashless society in Indonesia is heavily driven by the adoption of the Quick Response Code Indonesian Standard (QRIS), with Generation Z emerging as the most adaptive group of users. However, the convenience of digital transactions is feared to trigger impulsive spending due to a reduced emotional sensitivity during transactions (the pain of paying). This study aims to analyze the effect of QRIS usage intensity and financial literacy on the expenditure control of Generation Z in Pekalongan using a behavioral accounting approach. This quantitative study involved 120 Generation Z respondents in Pekalongan selected via a purposive sampling technique. Primary data collected through questionnaires were analyzed using multiple linear regression analysis. The results indicate that QRIS usage intensity has no significant effect on expenditure control (p = 0.142), indicating that digital transaction frequency remains neutral as long as individuals maintain controlled monthly expenditures. Conversely, financial literacy has a dominant, positive, and significant effect on spending control (p = 0.000). Simultaneously, both variables explain 48.4% of the variance in Gen Z's spending control. This study concludes that strengthening internal financial literacy is far more effective in maintaining the financial stability of the younger generation than merely limiting the use of digital payment technology.
S. Mayasari, “BI Mencatat Nilai Transaksi QRIS Capai Rp 164,48 Triliun pada Januari 2026,” Konta.co.id, 2026. Accessed: Apr. 15, 2026. [Online]. Available: https://keuangan.kontan.co.id/news/bi-mencatat-nilai-transaksi-qris-capai-rp-16448-triliun-pada-januari-2026
F. W. Nisa, “9 Negara yang Terima Pembayaran QRIS, Liburan Jadi Lebih Simpel,” IDN TIMES, Apr. 14, 2026. Accessed: Jul. 13, 2026. [Online]. Available: https://www.metrotvnews.com/read/KYVCem4r-resmi-qris-bisa-dipakai-transaksi-di-korea-selatan
O. D. Puspita and M. I. Fasa, “Implementasi Pemanfaatan Fintech Menggunakan Aplikasi E-Wallet Terhadap Minat di Kalangan Gen Z,” Inflasi?: Jurnal Ekonomi, Manajemen dan Perbankan, vol. 2, no. 1, pp. 44–49, Apr. 2026, doi: 10.66341/inflasi.v2i1.95.
F. Awalia and Zulkarnaini, “Memahami Pola Perilaku Generasi Z di Era Digital,” Jurnal Teknologi dan Sains Modern, vol. 2, no. 1, pp. 15–25, Feb. 2025, doi: 10.69930/jtsm.v2i1.251.
A. Angelia and D. Nofiansyah, “PENGARUH PENGGUNAAN DOMPET DIGITAL TERHADAP PERILAKU PENGELOLAAN KEUANGAN MAHASISWA DI ERA EKONOMI DIGITAL,” Neraca Akuntansi Manajemen, Ekonomi, vol. 25, 2026, doi: https://doi.org/10.2238/edfz1d63.
Isnawati, “Pekalongan Mulai Tinggalkan Uang Tunai, Pembayaran Parkir Beralih ke Sistem Digital QRIS ,” Suara Merdeka, Jun. 02, 2026. Accessed: Jul. 05, 2026. [Online]. Available: https://www.suaramerdeka.com/jawa-tengah/0417201100/pekalongan-mulai-tinggalkan-uang-tunai-pembayaran-parkir-beralih-ke-sistem-digital-qris
A. N. Yushita, “PENTINGNYA LITERASI KEUANGAN BAGI PENGELOLAAN KEUANGAN PRIBADI,” Nominal, Barometer Riset Akuntansi dan Manajemen, vol. 6, no. 1, Jun. 2017, doi: 10.21831/nominal.v6i1.14330.
O. J. Keuangan, “Majalah Edukasi Konsumen Tw II 2025,” Majalah Edukasi Konsumen, Jun. 2025.
A. A. Aziz, A. Hidayati, and V. Puspita, “Pengaruh Pembayaran QRIS, Persepsi Manfaat dan Kemudahan Terhadap Perilaku Konsumtif Mahasiswa Dengan Kepuasan Pengguna Sebagai Variabel Moderasi,” Indonesian Journal of Innovation Multidisipliner Research, vol. 4, no. 2, pp. 4728–4737, Jun. 2026, doi: 10.69693/ijim.v4i2.1023.
A. A. Jong, S. Rusmita, and D. Permata Indah, “QRIS AND CONSUMPTIVE BEHAVIOUR: EMPIRICAL STUDY ON COLLEGE STUDENTS OF UNIVERSITAS TANJUNGPURA QRIS DAN PERILAKU KONSUMTIF: STUDI EMPIRIS PADA KALANGAN MAHASISWA UNIVERSITAS TANJUNGPURA,” COSTING: Journal of Economic, Business and Accounting, vol. 8 (5), 2025, doi: https://doi.org/10.31539/pvmcs166.
Devinda Ramdani, Ameliya Ameliya, and Siti Rodiah, “Kajian Literatur Review: Riset Akuntansi Keperilakuan,” Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen, vol. 3, no. 1, pp. 373–390, Jan. 2024, doi: 10.30640/inisiatif.v3i1.2175.
N. R. Hidayah et al., “Pengaruh Intensitas Penggunaan QRIS dan Risiko Pengeluaran Impulsif Terhadap Disiplin Anggaran Keuangan Pribadi Mahasiswa di Kabupaten Tulungagung,” JURNAL EKOMBIS, vol. 11, no. 2, 2025, doi: 10.35308/ekombis.v7i2.
O. Zellermayer, “The Pain of Paying,” Doctoral Dissertation, Carnegie Mellon University, Pittsburgh, 1996.
M. To’at, D. A. T. Pulubuhu, and R. Muhammad, “Dari Tunai ke Digital: Dampak Sosial Penggunaan QRIS di Kalangan Muda,” Journal of Humanity and Social Justice, pp. 64–84, Jan. 2025, doi: 10.38026/jhsj.v7i1.69.
M. Maryam and H. Siddiqa, “Pengaruh Literasi Keuangan, Kepercayaan dan Keamanan Terhadap Transaksi Pengguna QRIS pada Generasi Z di Desa Sukamulih Tasikmalaya,” MAMEN (Jurnal Manajemen), vol. 5, no. 3, pp. 587–600, 2026, doi: 10.55123/mamen.v5i3.8205.
R. H. Thaler, “Mental Accounting and Consumer Choice,” Marketing Science, vol. 27, no. 1, pp. 15–25, Jan. 2008, doi: 10.1287/mksc.1070.0330.
I. G. N. K. Winarta, M. Pradana, I. Hadiansah, D. Kurnianingrum, and R. Rintaningrum, “THE IMPACT OF QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) ON MSME SALES PERFORMANCE IN INDONESIA,” International Journal of Computer Information Systems and Industrial Management Applications, vol. 18, no. 7s, pp. 616–626, Jul. 2026, doi: 10.70917/ijcisim-2026-2762.
H. Chen and R. P. Volpe, “An Analysis of Personal Financial Literacy Among College Students,” vol. 7, no. 2, pp. 107–128, 1998.
C. Strömbäck, T. Lind, K. Skagerlund, D. Västfjäll, and G. Tinghög, “Does self-control predict financial behavior and financial well-being?,” J. Behav. Exp. Finance, vol. 14, pp. 30–38, Jun. 2017, doi: 10.1016/j.jbef.2017.04.002.
I. Ajzen, “The theory of planned behavior,” Organ. Behav. Hum. Decis. Process., vol. 50, no. 2, pp. 179–211, Dec. 1991, doi: 10.1016/0749-5978(91)90020-T.
| Properti | Nilai Properti |
|---|---|
| Organisasi | Universitas Muhammadiyah Pekajangan Pekalongan |
| umpp.pekalongan@yahoo.com | |
| Alamat | Jl. Raya Pekajangan No. 1A Kedungwuni Pekalongan |
| Telepon | (0285) 7832294 |
| Tahun | 2026 |
| Kota | Pekalongan |
| Provinsi | Jawa Tengah |
| Negara | Indonesia |