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Abstract
This study aims to understand the influence of ease of transactions using digital payments on consumer behavior. The study examined the impulsive behavior of students in Palopo City, both directly and in the aquarium, with internal factors such as self-control. This study used a quantitative approach with a descriptive research type. Data analysis used multiple linear regression analysis. The results of this study indicate that digital payments have a significant effect on impulsive behavior, but self-control has a positive effect on impulsive behavior among students in Palopo City. This indicates that the higher a person's self-control, the lower their impulsive behavior.
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References
- Aji, S. G. C. (2023). The influence of fintech (financial technology) “digital payment” on consumer behavior in the COVID-19 pandemic era: A case study in the Open University housing area, Bogor Regency [Bachelor’s thesis].
- Anwar, S. M., & Rajab, N. A. (2019). Analysis of Islamic bank social responsibility disclosure in the perspective of sharia enterprise theory: A case study at Bank BRI Syariah Palopo. Journal of Management of Muhammadiyah Palopo College of Economics, 4(2).
- Ariyanto, R., Netrawati, N., & Yusri, Y. (2019). The relationship between self-control and academic procrastination in completing a thesis. Neo Counseling Journal, 1.
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- Budiman, Z. (2023). The relationship between self-control and Mobile Legends online game addiction in psychology students at Medan Area University [Doctoral dissertation, Medan Area University].
- Chrisnatalia, M., Leoniharza, D., & Liwun, S. B. B. (2023). Self-control and cyberslacking in college students. Cendekiawan: Journal of Education and Culture, 13(2), 128–137.
- Dewany, R., Nurfarhanah, N., Hariko, R., Asnah, M. B., & Karina, A. A. (2023). The influence of self-control on students’ academic procrastination. [Journal Name], 7(5), 5283–5288. https://doi.org/10.31004/obsesi.v7i5.5000
- Hidayat, I., Antong, A., & Rahmawati, R. (2024, September). The role of artificial intelligence (AI) in improving audit efficiency and effectiveness. In International Conference on Business, Education, Health, and Science-Technology (Vol. 1, No. 1, pp. 1195–1202).
- Nuryadi, A. (2017). Self-control and self-efficacy affect academic procrastination in students. Adiraga Scientific Journal: Journal of Sports Research, 3(2), 34–42.
- Pramesta, N. R., Natania, C. M., Izdihar, A. H., & Rakhmawati, N. A. (2022). Analysis of the influence of flash sale strategy on purchase interest and impulsive behavior of ITS students. JURSIMA, 10(3), 149–159.
- Simarmata, R. E., Saerang, I. S., & Rumokoy, L. J. (2024). The influence of financial literacy, digital payment usage, and self-control on student consumer behavior in the Faculty of Economics and Business, Sam Ratulangi University. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 12(1), 462–475.
- Tonapa, C. R., M Anwar, S., Tahier, I., & Pajarianto, H. (2024). The impact of administrative service quality on public satisfaction: A case study at the Population and Civil Registration Office of East Luwu Regency. International Journal of Law, Government and Communication, 9(38), 227–239.
- Ulayya, S., & Mujiasih, E. (2020). The relationship between self-control and consumer behavior of e-money users among students of the Faculty of Psychology, Diponegoro University. Jurnal Empati, 9(4), 271–279.
- Ursia, N. R., Siaputra, I. B., & Sutanto, N. (2013). Academic procrastination and self-control in thesis writing among students of the Faculty of Psychology, University of Surabaya. Makara Human Behavior Studies in Asia, 17(1), 1–18.
- Utami, W. T., & Terima kasih, T. (2023, May). The influence of financial literacy, lifestyle, and self-control on the consumptive behavior of GoPay service users in Surakarta. In Seminar Nasional Pariwisata dan Kewirausahaan (Vol. 2, pp. 350–359).
References
Aji, S. G. C. (2023). The influence of fintech (financial technology) “digital payment” on consumer behavior in the COVID-19 pandemic era: A case study in the Open University housing area, Bogor Regency [Bachelor’s thesis].
Anwar, S. M., & Rajab, N. A. (2019). Analysis of Islamic bank social responsibility disclosure in the perspective of sharia enterprise theory: A case study at Bank BRI Syariah Palopo. Journal of Management of Muhammadiyah Palopo College of Economics, 4(2).
Ariyanto, R., Netrawati, N., & Yusri, Y. (2019). The relationship between self-control and academic procrastination in completing a thesis. Neo Counseling Journal, 1.
Azizah, A. S., Theorupun, M. S., & Referli, A. (2025). The influence of financial literacy, digital payment use, and self-control on behavior. [Journal Name], 13(1), 170–179.
Budiman, Z. (2023). The relationship between self-control and Mobile Legends online game addiction in psychology students at Medan Area University [Doctoral dissertation, Medan Area University].
Chrisnatalia, M., Leoniharza, D., & Liwun, S. B. B. (2023). Self-control and cyberslacking in college students. Cendekiawan: Journal of Education and Culture, 13(2), 128–137.
Dewany, R., Nurfarhanah, N., Hariko, R., Asnah, M. B., & Karina, A. A. (2023). The influence of self-control on students’ academic procrastination. [Journal Name], 7(5), 5283–5288. https://doi.org/10.31004/obsesi.v7i5.5000
Hidayat, I., Antong, A., & Rahmawati, R. (2024, September). The role of artificial intelligence (AI) in improving audit efficiency and effectiveness. In International Conference on Business, Education, Health, and Science-Technology (Vol. 1, No. 1, pp. 1195–1202).
Nuryadi, A. (2017). Self-control and self-efficacy affect academic procrastination in students. Adiraga Scientific Journal: Journal of Sports Research, 3(2), 34–42.
Pramesta, N. R., Natania, C. M., Izdihar, A. H., & Rakhmawati, N. A. (2022). Analysis of the influence of flash sale strategy on purchase interest and impulsive behavior of ITS students. JURSIMA, 10(3), 149–159.
Simarmata, R. E., Saerang, I. S., & Rumokoy, L. J. (2024). The influence of financial literacy, digital payment usage, and self-control on student consumer behavior in the Faculty of Economics and Business, Sam Ratulangi University. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 12(1), 462–475.
Tonapa, C. R., M Anwar, S., Tahier, I., & Pajarianto, H. (2024). The impact of administrative service quality on public satisfaction: A case study at the Population and Civil Registration Office of East Luwu Regency. International Journal of Law, Government and Communication, 9(38), 227–239.
Ulayya, S., & Mujiasih, E. (2020). The relationship between self-control and consumer behavior of e-money users among students of the Faculty of Psychology, Diponegoro University. Jurnal Empati, 9(4), 271–279.
Ursia, N. R., Siaputra, I. B., & Sutanto, N. (2013). Academic procrastination and self-control in thesis writing among students of the Faculty of Psychology, University of Surabaya. Makara Human Behavior Studies in Asia, 17(1), 1–18.
Utami, W. T., & Terima kasih, T. (2023, May). The influence of financial literacy, lifestyle, and self-control on the consumptive behavior of GoPay service users in Surakarta. In Seminar Nasional Pariwisata dan Kewirausahaan (Vol. 2, pp. 350–359).