Student Behavior in the Use of E-Wallet and Paylater

Abstract

The rapid advancement of digital financial technology has transformed the way young consumers,
particularly university students, conduct transactions. This study aims to analyze student behavior in the use of ewallet and paylater services, focusing on factors such as convenience, security, financial literacy, and purchasing
behavior. A quantitative method was employed, using a structured questionnaire distributed to 150 university
students. Data were analyzed using descriptive statistics and regression analysis to identify key behavioral drivers.
The results show that convenience and ease of use are the dominant factors influencing students’ adoption of ewallet and paylater services, followed by promotional offers and perceived financial control. However, a lack of
financial literacy increases the risk of impulsive buying and over-dependence on credit-based payment systems.
This study contributes to a better understanding of digital financial behavior among students and provides
valuable insights for policymakers, financial service providers, and educational institutions to promote
responsible financial management