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September 28, 2025Syntax Literate Jurnal Ilmiah Indonesia0 citationsOpen Access

Literasi Keuangan, Transformasi Digital dan Perilaku Konsumtif: Perspektif Gender

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SRSri Wahyuni RizaDMDwila Maresti

Key Points

  • Digital transformation significantly enhances consumer behavior among users of digital platforms, mostly women, and directly influences spending habits.
  • The study found that women with financial literacy focus on essential needs despite attractive purchasing offers, indicating a balanced approach.
  • Using a descriptive quantitative method, data was collected from 100 individuals aged 17 to 65 engaged in digital financial transactions.
  • Strengthening financial literacy through digital education may enhance effective spending habits and self-control, benefiting community financial health.

Abstract

This study aims to examine the impact of digital transformation on individual/community consumer behavior, with financial literacy as a moderator. This study will use a descriptive quantitative approach that explains the research results in the form of numbers narratively. The data collection technique through digital platforms to reach a sample of 100 with a total target population of 150 respondents. The sample criteria are individuals/communities who use digital platforms in their financial transactions, especially buying and selling transactions, with an age limit of 17 to 65 years. The results of the study generally indicate that digital platforms have a significant positive effect on consumer behavior, which is dominated by women. However, women who have financial literacy in terms of financial management experience prefer to prioritize their primary needs in their consumer practices amidst offers of attractive facilities and convenience in purchasing transactions. This means that financial literacy moderates consumer behavior, thus having a significant negative effect. The implications of the study emphasize strengthening financial literacy through a digital-based educational and regulatory approach. This will increase individual and community awareness in self-control to spend their money more effectively and efficiently.

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Cite This Study

Riza et al. (2025) studied this question.

synapsesocial.com/papers/68d913b24ddcf71ba560c0d3https://doi.org/10.36418/syntax-literate.v10i9.61766
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1The Impact of Financial Literacy and Digital Finance Applications on Household Consumption Patterns in the Digital Age: Evidence from Makassar2025 · 4 citations
  2. 2Digital financial literacy and the proliferation of consumerist behaviours2026
  3. 3Digital financial literacy and consumer financial behavior in emerging markets: Evidence from Indonesia2025
  4. 4Gender Issues in Digital Financial Literacy and Financial Behavior among Millennials2024 · 4 citations
  5. 5Financial Literacy in the Age of Digital Finance: A Global Perspective2024 · 7 citations