PERILAKU KEUANGAN DAN PENGGUNAAN E-WALLET DALAM RUMAH TANGGA MODERN

Abstract

The growing use of e-wallets as a practical tool for everyday household spending reflects the appeal of speed and simplicity offered by digital finance. However, behind this convenience lies a challenge: fostering disciplined financial behavior and curbing the tendency toward unplanned or impulsive expenditures. This study aims to examine how much financial knowledge, attitudes, and behavior influence the use of e-wallets among household decision-makers. The research was conducted on 63 purposively selected respondents from the Greenland Semeru housing complex in Jember. Data were collected through a Likert-scale questionnaire. The data were interpreted through a multiple linear regression model using SPSS as the analytical tool to explore the relationships among variables. The results indicate that financial knowledge, attitudes, and behavior each positively and significantly influence the frequency of e-wallet use. Financial attitude plays the most significant role in influencing how households interact with digital financial platforms. This highlights the importance of improving financial understanding and personal discipline, so that the ease of using e-wallets supports, rather than undermines, the household's financial health.. Future research should expand the scope by incorporating additional relevant variables and involving a broader sample to enhance generalizability and generate more comprehensive insights