Pengaruh Literasi Ekonomi, Layanan Dompet Digital, Layanan Paylater, Dan Mental Accounting Terhadap Perilaku Konsumtif Mahasiswa Program Studi Akuntansi Di Perguruan Tinggi Kabupaten Jember

This study aims to analyze and examine the influence of Economic Literacy, Digital Wallet Services, Paylater Services, and Mental Accounting on the Consumptive Behavior of Accounting Study Program Students at Higher Education Institutions in Jember Regency. The population in this study consists of all Accounting Study Program students at higher education institutions in Jember Regency. This study employs the Purposive Sampling technique, using the Slovin formula to determine the sample size to be studied. The sample size studied in this research is 97 respondents out of a total population of 3,146. The data analysis method used in this study is with the assistance of IBM SPSS Statistics 27. The results of this study indicate that partially, the variables of Economic Literacy (X1), Digital Wallet Services (X2), and Mental Accounting (X4) do not have a significant effect on Consumptive Behavior (Y). However, the Paylater Services variable (X3) has a significant effect on Consumptive Behavior (Y) partially. Simultaneously, the variables of Economic Literacy (X1), Digital Wallet Services (X2), Paylater Services (X3), and Mental Accounting (X4) have a significant effect on Consumptive Behavior (Y)