Citation:

Ni Putu Winda Apriyani, Ni Nyoman Yuliarmi, Made Dwi Setyadhi Mustika, Putu Ayu Pramitha Purwanti, Anak Agung Ngurah Bagus Kesuma Yudha. "Consumption and E-Wallet Use Patterns in the Millennial Generation in Denpasar City in the Context of Digital Transformation" International Research Journal of Economics and Management Studies, Vol. 3, No. 6, pp. 22-29, 2024.

Abstract:

The development of financial technology and practices has brought about the transformation of the conventional financial system into a form that is more connected electronically and digitally. The use of electronic money as an innovative, practical payment tool is expected to help smooth transactions. This research aims to analyze consumption patterns and the use of e-wallets among the millennial generation in Denpasar City in the context of digital transformation. This research uses a quantitative approach in associative form with primary data types. The sampling method used in this research was a stratified proportional random sampling of 204 respondents. The data analysis technique used in this research is SEM based on Partial Least Square. Economic activity, social transformation and digital financial literacy have a positive and significant influence on the use of e-wallets for the millennial generation. Economic activity, social transformation and e-wallet use have a positive and significant effect on consumption patterns. However, financial literacy does not have a significant effect on the consumption patterns of the millennial generation. Economic activities, social transformation and digital financial literacy indirectly influence consumption patterns through the use of e-wallets for the millennial generation.

References:

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Keywords:

Economy, E-Wallet, Technology.