The Impact of E-wallet Convenience on Excessive Spending, a Quantitative Analysis of Consumer Behaviour Among College Students of Misamis Universityv

The rise of e-wallets as a digital payment solution has revolutionized consumer behaviour,especially among the tech-savvy college demographic. This study examines the relationship between ewallet convenience—defined by ease of use, transaction speed, and accessibility—and excessive spendingbehaviours among college students at Misamis University. Using a quantitative approach, the findingsreveal a significant positive correlation between the seamlessness of e-wallet transactions and impulsivepurchasing tendencies. Despite the financial independence facilitated by e-wallets, their immediacy andefficiency often encourage unplanned expenditures, weakening perceived financial control. The studyhighlights the critical need for financial literacy programs to address these challenges, equipping studentswith the tools to navigate the digital payment landscape responsibly. This research provides valuableinsights for educators, policymakers, and financial institutions, underscoring the importance of balancingdigital convenience with sustainable spending practices to foster long-term financial well-being