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August 11, 2025Jurnal Informasi dan Teknologi

The Impact of Financial Literacy and Digital Finance Applications on Household Consumption Patterns in the Digital Age: Evidence from Makassar

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Authors

SASri Prilmayanti AwaluddinAKAndi Ummul KhairEPEka Wijaya Paula

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Overview

Quantitative analysis shows financial literacy and digital finance applications influence consumption patterns in households, indicating a need for enhanced financial education.

Key Points

  • Household consumption patterns are significantly influenced by financial literacy and digital finance applications, impacting rational spending habits.
  • Using a multiple linear regression method, the study analyzed data from 100 households who actively use digital financial services.
  • Statistical model shows an R² value of 0.627, meaning financial literacy and digital finance explain over 62% of consumption behavior variation.
  • Importance of enhancing digital financial literacy is emphasized to ensure responsible spending habits amidst growing digital finance access.

Cite This Study

Awaluddin et al. (2025) studied this question.

synapsesocial.com/papers/68c2354db210217d6476feaehttps://doi.org/10.60083/jidt.vi0.647
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Digital financial literacy and consumer financial behavior in emerging markets: Evidence from Indonesia2025 · 1 citations
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  4. 4An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia2025 · 1 citations
  5. 5Financial Literacy at an Early Age: The Role of Digital Technology in Students' Financial Literacy2025 · 2 citations