Nadia Nungki Wibowo Primary Author mixed material bibliography Purwokerto FAKULTAS EKONOMI DAN BISNIS UIN SAIFUDDIN ZUHRI 2025 id Indonesia

Skripsi

xix, 171 hal.; 30 cm. + lampiran The rapid development of the times has shifted the role of cash in conducting economic activities. The emergence of various payment instruments such as e-money and non-cash transaction services has made people leave direct transactions. Acceptance of new technology can be seen through the Technology Acceptance Model (TAM) acceptance theory. In this theory, it is stated that technology acceptance is based on 2 main factors, namely user convenience and usefulness. On the other hand, technological advances can also have a negative impact related to changes in consumption patterns, especially among students. This study aims to determine the effect of using e-money, non-cash transactions and promotions on the consumptive behaviour of students in Purwokerto. This study uses a quantitative approach with purposive sampling technique. Data collection techniques in this study were carried out by distributing questionnaires. Data analysis was carried out using multiple linear regression to determine the effect of each variable both simultaneously and partially. The results of this study indicate that: 1) the use of e-money on consumptive behaviour has a sig value of 0.000 -1.649, 2) non-cash transactions on consumptive behaviour has a sig value of 0.000 1.649, 3) promotion on consumptive behaviour has a value of 0.000 1.649. The Adjusted R Square value is 0.394 or 39.4% which means that the three uses of e-money, non-cash transactions and promotions have an influence of 39.4% on the consumptive behaviour of students in Purwokerto. Keywords: E-money, Non-Cash Transactions, Promotion, Consumptive Behaviour Nadia Nungki Wibowo NONE UPT PERPUSTAKAAN UIN SAIZU Jl. A. Yani 40A Purwokerto 53126 Skripsi PS 25SK5100349.1 Perpustakaan UIN Saizu Purwokerto (Lt. 3 Skripsi) Skripsi PS 100349 2025-07-04 14:39:28 2025-07-04 14:41:45 machine generated