ANALISIS PENGGUNAAN APLIKASI DOMPET DIGITAL TERHADAP MENTAL ACCOUNTING PENGELOLAAN KEUANGAN PRIBADI (STUDI KASUS GENENERASI Z KOTA KUPANG)
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Published:
Dec 5, 2025
Keywords:
Dompet Digital, Mental Accounting, Pengelolaan Keuangan, Keuangan Digital
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Abstract
Penelitian ini bertujuan untuk menganalisis bagaimana penggunaan aplikasi dompet digital memengaruhi proses mental accounting dalam pengelolaan keuangan pribadi Generasi Z di Kota Kupang. Fenomena meningkatnya penggunaan dompet digital seperti OVO, DANA, dan ShopeePay di kalangan generasi muda menunjukkan adanya perubahan dalam perilaku transaksi dan pengelolaan keuangan sehari-hari. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui wawancara mendalam kepada 12 informan yang merupakan pengguna aktif dompet digital. Hasil penelitian menunjukkan bahwa dompet digital memiliki pengaruh terhadap indikator mental Accounting, seperti Mental Budgeting, self-control, short-term orientation, financial activities, evaluate, dan organize. Fitur-fitur dalam dompet digital seperti riwayat transaksi, cashback, dan kemudahan akses mendorong pengguna untuk lebih sadar dalam mengelola keuangan, meskipun pada beberapa kasus dapat memicu perilaku konsumtif. Penelitian ini memberikan kontribusi dalam memahami dinamika perilaku keuangan digital di era modern, khususnya bagi Generasi Z, serta menjadi rujukan dalam pengembangan literasi keuangan digital yang lebih bijak dan terencana.
Kata Kunci : Dompet Digital, Mental Accounting, Pengelolaan Keuangan, Keuangan Digital.
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Hudi, M., Amtiran, P., Faah, Y., & de Rozari, P. (2025). ANALISIS PENGGUNAAN APLIKASI DOMPET DIGITAL TERHADAP MENTAL ACCOUNTING PENGELOLAAN KEUANGAN PRIBADI (STUDI KASUS GENENERASI Z KOTA KUPANG). GLORY Jurnal Ekonomi Dan Ilmu Sosial, 6(6), 2339-2348. https://doi.org/10.70581/glory.v6i6.23727
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References
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Arner, D. W., Barberis, J. N., & Buckley, R. P. (2016). The Evolution of Fintech: A New Post- Crisis Paradigm? SSRN Electronic Journal, January. https:// doi.org /10.2139 /ssrn. 2676553
Baker, H. K., & Nofsinger, J. R. (2018). Foundation and Key Concepts Behavioral Finance: Investors, Corporations, and Markets Edited by Behavioral Finance: An Overview. Behavioral Finance: Investors, Corporations, and Markets.
Cheema, A., & Soman, D. (2018). Malleable mental accounting: The effect of flexibility on the justification of attractive spending and consumption decisions. Journal of Consumer Psychology, 16(1), 33–44. https://doi.org/10.1207/s15327663jcp1601_6
Effendy, F. (2020). Pengaruh Perceived Of Benefit Terhadap Niat Untuk Menggunakan Layanan Dompet Digital Di Kalangan Milenial. Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi Dan Komunikasi, 15(2), 1–11. https:// doi.org /10.35969/interkom.v15i2.67
Haryana, R. D. T. (2017). Pengaruh Mental Accounting Dan Psychological Factors Terhadap Perilaku Konsumen Dalam Penggunaan Kartu Kredit. II(3), 553–571.
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077
Hidajat, T., & Lutfiyah, N. (2022). E-Wallet: Make Users More Consumptive? ECONBANK: Journal of Economics and Banking, 4(1), 15–22. https:// doi.org/ 10.35829/ econbank. v4i1.163
Husnan, S., & Pudjiastuti, E. (2019). Dasar-Dasar Manajemen Keuangan. Edisi-7. UPP AMP YKPN.
Kahneman & Tversky. (1979). PROSPECT THEORY: AN ANALYSIS OF DECISION UNDER RISK. Encyclopedia of Statistical Sciences, 0100(3469), 263–291. https:// doi.org/10.1002/0471667196.ess0533
Kholilah, N. Al, & Iramani, R. (2021). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https:// doi.org /10.14414 /jbb.v3i1.255
Kirchler, E., & Muehlbacher, S. (2018). Mental Accounting of Self-Employed Taxpayers: On the Mental Segregation of the Net Income and the Tax Due. FinanzArchiv, 69(4), 412.https://doi.org/10.1628/001522113x675656
Manurung, & Silalahi. (2022). Pengaruh Penggunaan Dompet Digital Terhadap Mental Accounting pada Remaja di Kota Medan. Jurnal Ilmu Komputer, Ekonomi Dan Manajemen (JIKEM), 2(1), 130–141.
Mawardani, F., & Dwijayanti, R. (2021). Pengaruh Persepsi Kemudahan Penggunaan dan Promosi Cashback Terhadap Minat Mahasiswa Dalam Menggunakan Dompet Digital Shopeepay Pada Aplikasi Shopee. Jurnal Pendidikan Tata Niaga (JPTN), 9(3), 1455– 1463.
Megadewandanu, S., Suyoto, & Pranowo. (2017). Exploring mobile wallet adoption in Indonesia using UTAUT2: An approach from consumer perspective. Proceedings - 2016 2nd International Conference on Science and Technology-Computer, ICST 2016, October, 11–16. https://doi.org/10.1109/ICSTC.2016.7877340
Osakwe, C. N., & Okeke, T. C. (2016). Facilitating mCommerce growth in Nigeria through mMoney usage: A preliminary analysis. Interdisciplinary Journal of Information, Knowledge, and Management, 11(2016), 115–139. https://doi.org/10.28945/3456
Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 77 /Pojk.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. 1–31.
Rabin, M. (2019). Psychology and Economics. Journal of Economic Literature, XXXVI, Mar(1), 11–46.
Rembulan, N. D. R., & Firmansyah, E. A. (2020). Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital. Valid Jurnal Ilmiah, 17(2), 111.
Ricciardi, V., & Simon, H. (2019). What Is Behavioral Finance? Handbook of Finance, 1–9. https://doi.org/10.1002/9780470404324.hof002009
Rumbika, F. E., Kurniawan, R., & Ginting, R. (2024). Menguak Perilaku Konsumtif Generasi Z dalam Penggunaan Digital Payment dan Literasi Keuangan Berdasarkan Mental Accounting: Sebuah Studi Fenomenologi. Jurnal Akuntansi AKUNESA, 12(2), 163–171. https://doi.org/10.26740/akunesa
Sabarullah, K. (2020). Pengaruh Mental Accounting Practice Terhadap Micro Business (Usaha Mikro Kecil Menengah) Performance Dengan Growth Mindset Sebagai Variabel Intervening. 2507(February), 1–9.
Sakalauskas, E., & Muleravicius, J. (2017). Computational Resources for Mobile E-Wallet System with Observers. Journal of Technology, 1–14.
Sari, M. W., & Novrianto, A. (2020). Kenali..!! Bisnis, di Era Digital “Financial Technology” (Vol. 1, Issue 1). Insan Cendekia Mandiri. http://repository.upiyptk.ac.id/8197/1/5. 2020_Kenali..%21%21 bisnis%2C%2C%2C di era digital ÔÇ£financial technology ÔÇØ.pdf
Sari, R. C. (2017). Akuntansi Keperilakuan (A. OFFSE (ed.)).
Sartono, A. (2018). Manajemen Keuangan dan Teori Aplikasi Edisi 4. BPFE.
Schneider, G. p. (2020). Electronic Commerce Ninth Edition. Course Technology.
Sharma, S. K., Mangla, S. K., Luthra, S., & Al-Salti, Z. (2018). Mobile wallet inhibitors: Developing a comprehensive theory using an integrated model. Journal of Retailing and Consumer Services, 45(August), 52–63. https://doi.org/10.1016/j.jretconser.2018.08.008
Silooy, M. (2023). Mental Accounting : Perilaku Boros Versus Self-Control. Angewandte Chemie International Edition, 6(11), 951–952., Mi, 5–24.
Smith, K. T. (2019). Mobile advertising to Digital Natives: preferences on content, style, personalization, and functionality. Journal of Strategic Marketing, 27(1), 67–80. https://doi.org/10.1080/0965254X.2017.1384043
Suseno, N. S., & Aulawi, H. (2024). The Digital Wallet Revolution: An Empirical Analysis of Its Effects on Mental Accounting and Financial Practices. Khazanah Sosial, 6(2), 334–341. https://doi.org/10.15575/ks.v6i2.35392
Suyanto. (2023). Mengenal Dompet Digital Indonesia. CV. AA. RIZKY.
Thaler, R. H. (1999). Mental accounting matters. Choices, Values, and Frames, 206(September 1998), 241–268. https://doi.org/10.1017/CBO9780511803475.015
Utari, D., Purwanti, A., & Prawironegoro, D. (2024). Manajemen Keuangan. Mitra Wacana Media.
Visa. (2022). Visa Consumer Payment Attitudes Study 2022 - Navigating a New Era in Payments. Visa Indonesia, 45. https:// my.review. visa.com/dam /VCOM/ regional/ap/ documents/visa-cpa-report-smt-2022.pdf
Wicaksono, & Divarda, E. (2022). Pengaruh Financial Literacy Terhadap Perilaku pembayaran Kartu Kredit Pada Karyawan di Surabaya. FINESTA, 03(No.01), 85-90.
Zasiroh, L. (2023). Layanan Dompet Digital, Layanan Paylater, Dan Perilaku Konsumtif: Mental Accounting Sebagai Variabel Moderasi (pp. 24–25).