Sari, Irine Rizkyta Pengaruh Digital Payment Dan Self-Control Terhadap Perilaku Konsumtif Menggunakan Aplikasi Belanja Online (PT NCS Kemanggisan)

Abstract

This research was conducted at PT Nusantara Card Semesta Kemanggisan which aims to analyze the influence of digital payment (X1) and self-control (X2) on consumptive behavior (Y) in using online shopping applications. Data was collected through a survey of 72 card division employees using a questionnaire with a non-probability sampling technique using saturated samples. The method used in this study is a quantitative approach, data analysis is carried out using IBM SPSS Statistics ver software. 26.0. The results of the study concluded that: 1) Partially digital payment (X1) had a positive and significant effect on consumptive behavior (Y), as evidenced by a t-count value of 5,659 > t-table of 1.994 and a significance level of 0.000 < 0.05. 2) Self-control (X2) had a positive and partially significant effect on consumptive behavior (Y), with a t-count value of 6,920 > t-table of 1.994 and a significance of 0.000 < 0.05. 3) Digital payment (X1) and self-control (X2) together had a significant effect on consumptive behavior (Y), with an F-calculated value of 68,900 > F-table 3.13 and a significance level of 0.000 < 0.05.