Cashless Society And Millennial Financial Behavior

Abstract

This study aims to analyze the influence of the cashless society phenomenon on millennial financial behavior. The research focuses on how digital payment systems affect spending habits, financial control, and digital financial literacy. A quantitative approach was applied using surveys distributed to millennials who actively use digital payment services in Indonesia. The findings indicate that non-cash transactions improve efficiency but may also trigger impulsive behavior if not supported by sufficient financial literacy.