THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024)
This study aims to determine and analyze the influence of the Theory of Planned Behavior and Financial Literacy on the Intensity of E-Wallet Usage among university students. This research employs a quantitative method. Data were collected through the distribution of questionnaires to 88 students of the Faculty of Economics and Business at Gorontalo State University and analyzed using SPSS version 25 by conducting validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, and F-test. The results show that: (1) the Theory of Planned Behavior has a positive and significant effect on the Intensity of E-Wallet Usage, (2) Financial Literacy has a positive and significant effect on the Intensity of E-Wallet Usage, and (3) both variables simultaneously exert a significant influence. These findings indicate that behavior in using e-wallets is influenced by psychological elements and financial literacy skills Both factors play a crucial role in shaping smart, effective, and responsible digital financial behavior in today's era.
Keywords:GlobalResearch
How to Cite this Article
Nurhaliza, P.S., & Radia, H., & Novrita, D.M., & Meyko, P., & Fatmawati, D. (2026). THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024). Multidisciplinary Indonesian Center Journal (MICJO), 3(2), 21-35. https://doi.org/10.62567/micjo.v3i2.2371
Nurhaliza, P.S., & Radia, H., & Novrita, D.M., & Meyko, P., & Fatmawati, D. (2026). THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024). Multidisciplinary Indonesian Center Journal (MICJO), 3(2), 21-35. https://doi.org/10.62567/micjo.v3i2.2371
Pontoh, Siti Nurhaliza, and Hafid, Radia, and Dama, Maya Novrita, and Panigoro, Meyko, and Damiti, Fatmawati. "THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024)." Multidisciplinary Indonesian Center Journal (MICJO), vol. 3, no. 2, 2026, pp. 21-35.
Nurhaliza, P.S., & Radia, H., & Novrita, D.M., & Meyko, P., & Fatmawati, D., 2026. THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024). Multidisciplinary Indonesian Center Journal (MICJO), 3(2), p.21-35.
Pontoh, Siti Nurhaliza, and Hafid, Radia, and Dama, Maya Novrita, and Panigoro, Meyko, and Damiti, Fatmawati. "THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024)." Multidisciplinary Indonesian Center Journal (MICJO) 3, no. 2 (2026): 21-35.
@article{pontoh,2026the, author = {Pontoh, Siti Nurhaliza and Hafid, Radia and Dama, Maya Novrita and Panigoro, Meyko and Damiti, Fatmawati}, title = {THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024)}, journal = {Multidisciplinary Indonesian Center Journal (MICJO)}, year = {2026}, volume = {3}, number = {2}, pages = {21-35}, doi = {10.62567/micjo.v3i2.2371}, url = {https://pioaj.com/index.php/article/8987} }
