The Influence of Financial Technology Literacy and SelfControl on the Consumptive Behavior of Digital Business Study Program Students at Universitas Negeri Surabaya in Using the TikTok Shop Marketplace

Abstrak

The development of digital technology has triggered a change in consumption behavior, especially among students exposed to social media-based ecommerce platforms such as TikTok Shop. This study aims to analyze the influence of Financial Technology literacy and self-control on the consumptive behavior of students in the Digital Business Study Program at Universitas Negeri Surabaya. This research used a quantitative approach with a survey method involving 30 purposively selected respondents. The instrument used was a Likert scale-based questionnaire, which was then analyzed using multiple linear regression. The results show that simultaneously, Financial Technology literacy and self-control have a significant effect on students' consumptive behavior. Partially, only self-control has a significant effect, while Financial Technology literacy does not show a significant influence. This indicates that even though students have knowledge about digital financial technologies, emotional drives and self-control play a more important role in limiting consumptive behavior, especially in the context of impulsive shopping through
TikTok Shop. These findings highlight the importance of strengthening students' psychological aspects in addition to improving financial understanding to overcome consumption challenges in the digital era