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This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

In Indonesia, the use of digital payments is increasingly widespread, especially among the younger generation. Along with the increasing use of digital payments, it has also made people in Indonesia become more consumptive.  It is important to understand the factors that influence consumer behavior in using these services. This research aims to analyze the influence of the use of digital payments and service quality on the consumer behavior of the people of Bandar Lampung, by considering the role of consumer trust as a mediating variable. This research uses descriptive research methods with a quantitative approach. The research population is people who live in Bandar Lampung City, while the sample consists of 96 respondents. The sampling technique uses non-probability sampling with a sampling technique, namely the purpose sampling technique. The data analysis method uses Partial Least Square (PLS) and then the data obtained is processed using SmartPLS 4 software. The research results show that there is an insignificant negative influence between digital payment variables on consumer behavior. There is a positive and significant influence between digital payment variables on consumer trust. There is an insignificant positive influence between service quality and consumer behavior. There is a positive and significant influence between service quality and consumer trust. There is an insignificant positive influence between the consumer trust variable on consumer behavior. Trust does not mediate the relationship between digital payments and service quality on consumer behavior.

This study aims to analyze the role of fintech as a mediator in the influence of economic literacy on impulsive buying behavior among consumers. Economic literacy is considered an important factor that can influence consumer purchasing behavior, especially in making wise financial decisions. However, technological advances in the financial sector, especially fintech, have also played a role in facilitating impulse buying behavior through the ease of digital transactions and quick access to financial services. This study uses a quantitative approach with a survey method involving 250 respondents. The data was analyzed using a path analysis model to evaluate the direct influence of economic literacy on impulse buying, as well as the mediation role played by fintech. The results show that economic literacy has a negative influence on impulsive buying behavior, but fintech plays a significant role as a mediator that strengthens impulse buying tendencies, even though individuals have good economic literacy. These findings have implications for the development of financial literacy policies and fintech regulations to reduce the risk of consumptive behavior in the digital era.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

Consumptive behavior is the behavior of buying goods that are less necessary to fulfill personal satisfaction so that someone no longer distinguishes between needs and wants. The offers presented by e-commerce can be a risk for Udayana University students because they see it as an opportunity to tend to buy goods that may not be essential. When viewed physically, women tend to have more needs than men. So consumptive behavior must be accompanied by an understanding of the knowledge of managing money well. Financial literacy is very useful for students to avoid consumptive behavior. This study aims to see the effect of the use of e-commerce and financial literacy on the consumptive behavior of Udayana University students. The number of samples used in this study was 400 samples. The analysis techniques used were descriptive analysis techniques and Partial Least Squares (PLS) analysis. The results of this study indicate that the use of e-commerce has a positive and significant effect on the consumptive behavior of Udayana University students. This means that there is a unidirectional relationship between the variable of e-commerce use and the variable of consumptive behavior. Meanwhile, financial literacy has a negative effect on the consumptive behavior of Udayana University students. This means that there is a non-unidirectional relationship between the literacy variable and the consumer behavior variable.

The development of technology and information is currently very influential in all aspects of life, for example the use of social media is not only used as a means of obtaining information but social media is widely used as a means of doing business call an online shop. The development of technology, there are many online buying and selling sites where in it gathers many online shops into one site that makes it easier for buyers to get the items they want with various promos that attract students to shop on the site. In this study, researchers want to know how the development of E-Commerce affects the consumptive behavior of Madiun State Polytechnic students. The method used in this study is descriptive qualitative method with a sample of 105 Madiun State Polytechnic students by distributing questionnaires. The results show that of the 105 samples taken, it can be seen that the biggest influence on students' consumptive behavior towards E-commerce is due to the promo or discount factor provided by E-commerce sites at the beginning of the month. 

Along with ongoing economic changes and globalization, people's shopping behavior is also changing. Sometimes, someone buys something not because of need, but just for pleasure. This leads to wastefulness known as consumptive behavior. This research aims to determine the differences in consumptive behavior based on gender among students of the Faculty of Economics at Muhammadiyah University of Gresik. This type of research is quantitative research. The participants in this research numbered 285 students. The measuring instrument used is the consumptive behavior scale (Fromm, 1995). The statistical analysis method used is comparative analysis with chi-square testing. The results of this research show no difference in consumptive behavior between male and female students with a significance value of 0.840 > 0.05. The data categorization results show that the majority of subjects are at a moderate level of consumptive behavior, with a percentage of 72% for male students and 73% for female students. It is hoped that both male and female students can manage their finances as well as possible by saving and prioritizing needs over wants.

This research aims to find out how much influence Shopee promotions have on consumer behavior among STAIN Mandailing Natal Sharia Business Management students. The sample used came from 75 MBS students using a purposive sampling method. The approach used is quantitative and in collecting primary data observation and questionnaire methods are used. Meanwhile, the data analysis that researchers used in this research was analysis using validity and reliability tests, classical assumption tests, simple linear regression tests and hypothesis tests, namely the t test and R Square test (with the help of the SPSS Version 24 program). The results of the research show that there is an influence of shopee promotional variables on consumer behavior among Mandailing Natal Sharia Business Management Students. Shown by the significance value of t 0.000 which is smaller than sig = 0.05 (0.000>0.05) the value of R = 0.629 and R Square = 3.96 means that Shopee promotion is able to explain the dependent variable or consumer behavior of 0.396 x 100 = 39.6 message while the other 60.4 percent is explained by other variables. Based on the research results, it can be concluded that Shopee promotions have a positive and significant effect on consumer behavior with a value of tcount < ttable or tcount > ttable (6.916 < 1.666 or 6.916 > 1.666). There is a positive and significant relationship between Shopee promotions and consumer behavior among students.

The consumer behavior of university students is an intriguing phenomenon to explore given the dominant influence of social media and evolving lifestyles among students. This study aims to investigate the relationship between social media usage, lifestyle, and financial literacy on the consumer behavior of students in Surakarta City. The research employed a quantitative approach, collecting data from 97 active student respondents using social media from several universities in Surakarta City. A structured questionnaire was used to gather data on variables such as social media usage, lifestyle, financial literacy, and student consumer behavior.The data analysis results indicate a significant positive correlation between social media usage and student consumer behavior. Additionally, a consumptive lifestyle also positively influences student consumer behavior. However, financial literacy does not show a positive influence on student consumer behavior in Surakarta City. These findings underscore the importance of financial literacy education among students as a preventive measure against the negative effects of social media usage and consumptive lifestyles.The implications of this study can serve as a basis for developing educational programs and policies aimed at enhancing awareness and financial skills among students.       

The use of E-Commerce platforms has a significant impact on students' shopping patterns and consumption behavior. This article aims to analyze the factors that influence students in choosing to shop through E-Commerce and its impact on students' consumptive behavior from the perspective of consumption theory and modernization theory. The method used in this research is a qualitative approach, with sources collected through literature studies, data analysis, validity of analysis with data triangulation techniques. The results show that factors such as ease of use, price, product quality, availability of goods, emotional benefits, and tangible evidence influence students in choosing to shop through E-Commerce. The impact is a significant change in students' consumption patterns, which includes satisfaction with purchases, ease of product access, but also uncertainty about future needs and changes in shopping priorities. The implication is the importance of financial awareness and wise financial management skills for university students in dealing with the use of E-Commerce to minimize the negative impacts and maximize the benefits in improving their quality of life.    

Currently, we live with various conveniences, especially when shopping. These conveniences produce many benefits, but there are also some negative impacts, one of which is consumptive behavior. Consumptive behavior is the action of someone who uses or buys something, either goods or services excessively. Usually prioritizing the urge of desire rather than need. This urge of desire is what in the perspective of Sufism psychology according to Frager is something that needs to be minimized, the reason researchers chose Frager's concept of Sufism psychology is because consumer behavior is closely related to nafs, and Frager is a Sufism psychology figure who is most detailed in describing the concept compared to other figures such as Al Ghazali. This study aims to see how consumer behavior is studied in the theory of Sufism psychology according to Robert Frager and how psychospiritualism is applied in minimizing consumptive behavior. The method used in this study is a descriptive qualitative method with a form of library research. According to Frager's study of Sufism psychology, consumptive behavior can be categorized into tyrannical nafs and lawwamah nafs, but consumptive behavior can be reduced when it is in the category of inspired nafs. Meanwhile, consumptive behavior will completely disappear if it is at the level of peaceful nafs, pleased nafs, approved nafs, and pure nafs. The psychospiritual applications that can be applied include: fasting, seclusion, serving brothers, and remembering death.        

This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05.   Keywords: Financial Literacy, Self Control, Consumptive Behavior, Life Style This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05.

Online loans are currently increasingly popular among the public with the development of technology.  The sophistication of this technology has had a very significant impact on the survival of society, which will make people more consumptive through the arrival of electronic or non-cash means of payment, without cash this will create impulsive shopping behavior where someone buys products without planning.  This research aims to analyze the influence of financial knowledge on online loan interest behavior, to determine the influence of financial behavior on online loan interest and to determine financial attitudes towards online loan interest in the Kupang city community.  This research uses primary data by distributing questionnaires online to 100 respondents in Kupang City who are online loan users.  This research uses non-probability purposive sampling.  Data analysis in this research uses multiple linear regression analysis with the results of the research showing that financial knowledge, financial behavior and financial attitudes have a significant effect on interest in online loans among people in Kupang City.

The purpose of this study is to examine how lifestyle choices and pocket money affect the purchasing habits of Muhammadiyah University of Makassar students enrolled in the Faculty of Economics and Business. Using SPSS software version 26, multiple linear regression is the data analysis technique employed. The research data was obtained through primary data collection using proportional random sampling techniques. According to the study's findings, 1) pocket money significantly affects students' purchasing decisions, with a probability value of 0.000 (less than 0.05) for the pocket money variable. 2) Additionally, lifestyle has a considerable impact on consumer behavior, as seen by its 0.000 probability value (less than 0.05).

The phenomenon of globalization is the development of kpop culture which then forms kpop fans dominated by teenagers who tend to do consumptive behavior. Parenting styles is one of the factors that can influence consumptive behavior in children. This study aims to determine the relationship between parenting style and consumptive behavior of adolescent kpop fans at SMP Negeri 92 Jakarta. The method used was quantitative with a sample of 47 teenage kpop fans, sampling using purposive sampling techniques. The results showed  that there is a relationship between parenting styles and the consumptive behavior of teenagers who are kpop fans at SMP Negeri 92 Jakarta.

This research aims to explore the phenomenon of hedonism among recipients of the Kartu Indonesia Pintar Kuliah (KIPK) scholarship from a new socio-economic perspective. Using a qualitative approach with in-depth interview methods, this study was conducted at Universitas Negeri Jakarta in May 2024. A total of 8 students, both KIPK recipients and non-recipients, were purposively selected as informants. Data collection techniques were carried out through face-to-face interviews or communication media using structured interview guidelines. The data obtained were then thematically analyzed to identify patterns, differences, and key factors influencing the hedonism phenomenon among KIPK recipients. The research results reveal that social pressure, campus environment, social media, ineffective financial management, and lack of financial education are the main driving factors of consumptive behavior among KIPK scholarship recipients. The findings also identify negative impacts such as misuse of funds, social jealousy, and misalignment in the implementation of the scholarship program. This research provides important insights to enhance the effectiveness of financial aid programs through a more holistic and sustainable approach.  

Globalization brings many influences and changes in human life. The rapid dissemination of information obtained through social media can cause change. X account @discountfess as a forum that favolitates the dissemination of information quickly and widely can influence a person's behavior, one of wich is consumprive behavior. This study aims to describe the consumptive behavior of folllwers account @discountfess at social media X, using a descriptive method of quantitative approach. Sampling was accidental sampling with 96 followers @discountfess account. Data collection techniques include observation, questionnaire, documentation and literature study. The results show that the consumptive behavior of followers account @discountfess that causes impulsive purchases in the moderate category of 57%, irrational purchase in the moderate category with a percentage 60% and waste in the high category with a percentage 52%.

The era of Globalization has an impact on the acceleration of technology which affects business transaction media and buying and selling patterns of the community, this encourages people to use business transaction media using the internet in the form of sites and buying and selling application systems or more formally known as e-Commerce and triggers consumptive behavior, especially millennials and Gen Z, but the lack of literature makes a research gap found, namely the Research Evidence Gap. The method used in this research is quantitative by using the SPSS statistical software tool version 27, with a sample of 31 students at Politeknik STIA LAN Jakarta. Data is collected through a questionnaire containing questions about online shopping patterns, ease of access to use and payment on online shopping applications or websites, alternative choices of online shopping applications or websites, online shopping methods, frequency of purchases, factors that influence the emergence of consumptive behavior in students of the Politeknik STIA LAN Jakarta human resource management study program of the apparatus class of 2022. After statistical processing, the result of simple regression analysis is Y = ax + b or Y = 8.516 + 0.429, the T test (Hypothesis), namely T count worth 3.440 is greater than t table worth 2.04523, then H0 is rejected and Ha is accepted, it can be concluded that there is an influence of variable x (the influence of e-Commerce) on variable y (consumptive behavior) and the test of the coefficient of determination (R Square) is 0. 290 This value shows that the influence of the e-Commerce variable on the consumptive behavior of students is 29%, while the rest (71% of student consumptive behavior) is influenced by other variables.

This research analyzes the influence of influencers on purchasing decisions for skincare and makeup products among Generation Z. Data was collected through a questionnaire distributed to 170 respondents. The results show that most of Generation Z follows influencers' social media accounts to obtain product information and recommendations. Influencer reviews have a significant influence on purchasing decisions, with 85.9% of respondents being interested in buying products after seeing influencer reviews. However, 88.8% of respondents still conduct additional research before making a purchase. The presence of influencer reviews can trigger consumptive behavior, with 69.4% of respondents stating so. To overcome this behavior, 87.6% of respondents set a special budget, and 89.4% compare product prices. Nevertheless, 64.1% of respondents spent more than their planned budget, with 60.6% spending more than IDR 200,000 per month on skincare and makeup products. This research concludes that influencers have a significant influence in attracting purchase interest and purchasing decisions among Generation Z for skincare and makeup products.

This research aims to determine the influence of financial literacy, financial behavior, financial attitude, and demographics on consumer behavior among students at the Faculty of Economics and Business, University of 17 August 1945 Surabaya. This research used a questionnaire with a research sample of 100 students, using a purposive sampling technique. Data analysis in this research used multiple regression with the help of the SPSS program.The results of this research show that financial literacy has no significant effect on consumptive behavior, financial behavior has a significant effect on consumptive behavior, financial attitude has a significant effect on consumptive behavior, and demographics has no significant effect on consumptive behavior among students at the Faculty of Economics, University of 17 August 1945 Surabaya.