The Effect of Financial Literacy and the Use of E-Wallet on Impulsive Buying with Self Control as a Mediation Variable in Islamic University of Indonesia Students
Keywords:
financial literacy, e-wallet, self-control, impulsive buying.
Abstract
This study aims to analyze the influence of financial literacy and e-wallet usage on impulsive buying behavior, with self-control serving as a mediating variable among students of Universitas Islam Indonesia. The study employed a quantitative approach using a survey method through the distribution of questionnaires to active e-wallet users. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4. The results indicate that financial literacy has a negative effect on impulsive buying behavior and a positive effect on self-control. E-wallet usage has a positive effect on impulsive buying behavior and also influences students’ self-control. Self-control was found to have a negative effect on impulsive buying behavior and to mediate the relationship between financial literacy, e-wallet usage, and impulsive buying behavior. This study contributes to the development of behavioral finance, particularly in relation to students’ consumption behavior in the digital era.
References
Djamhari, S. I., Mustika, M. D., Sjabadhyni, B., & Ndaru, A. R. P. (2024). Impulsive buying in the digital age: Investigating the dynamics of sales promotion, FOMO, and digital payment methods. Cogent Business & Management, 11(1), 2419484.
Efendi, R., Indartono, S., & Sukidjo, S. (2019). The mediation of economic literacy on the effect of self control on impulsive buying behaviour moderated by peers. International Journal of Economics and Financial Issues, 9(3), 98.
Fristia, A., & Megawaty, D. A. (2026). The Impact of E-Wallet Usage on Student Shopping Behavior from the Perspective of Convenience and Impulsive Spending. Eduvest-Journal of Universal Studies, 6(3), 3400-3413.
Kartawinata, B. R., & Akbar, A. (2025). Analyzing the use of quick response (QR) payment: Impulsive purchase as a behavioral finance effect. Journal of Innovation in Business and Economics, 9(02 A).
Kraiwanit, T., Limna, P., & Wattanasin, P. (2024). Digital wallet dynamics: Perspectives on potential Worldcoin adoption factors in a developing country's FinTech Sector. Journal of Open Innovation: Technology, Market, and Complexity, 10(2), 100287.
Lutfiyah, Z. (2025). Pengaruh Fear of Missing Out, Paylater, dan Literasi Keuangan terhadap Impulsive Buying pada Gen Z. Indonesia Economic Journal, 1(2), 519-530.
Widiastuti, C., & Sumastuti, E. (2025). Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits.
Khan, W. A., & Abideen, Z. U. (2023). Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust. Future Business Journal, 9(1), 73.
Adiani, W., Aprianingsih, A., Fachira, I., Debby, T., & Maharatie, A. P. (2024). Social influence, financial benefit, and e-wallet multi-brand loyalty: The mediating impact of commitment. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2023.2290228
Dai, R. M., & Suryanto, S. (2019). Model Literasi Keuangan Dalam Meningkatkan Pengelolaan Keuangan Pada Pengusaha Olahan Susu Cipageran Di Kota Cimahi. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 8(1), 43-48.
Djamhari, S. I., Mustika, M. D., Sjabadhyni, B., & Ndaru, A. R. P. (2024). Impulsive buying in the digital age: investigating the dynamics of sales promotion, FOMO, and digital payment methods. Cogent Business & Management, 11(1).
Yousef, F. (2024). The impact of E-wallets on consumer spending behavior and financial management. International Journal for Scientific Research, 3(12), 429-456.
Galván-Mendoza, O., González-Rosales, V. M., Leyva-Hernández, S. N., Arango-Ramírez, P. M., & Velasco-Aulcy, L. (2022). Environmental knowledge, perceived behavioral control, and employee green behavior in female employees of small and medium enterprises in Ensenada, Baja California. Frontiers in psychology, 13, 1082306.
Hagger, M. S., Cheung, M. W. L., Ajzen, I., & Hamilton, K. (2022). Perceived behavioral control moderating effects in the theory of planned behavior: A meta-analysis. Health Psychology, 41(2), 155.
Jhawar, N. (2025). E-WALLET'S ATTRIBUTES & ITS IMPACT ON STIMULATING CONSUMER IMPULSE PURCHASE. Available at SSRN 5235187.
Kartini, T. K., & Mashudi, U. (2022). Literasi keuangan (financial literacy) mahasiswa indekos calon pendidik ekonomi FKIP Universitas Jember. Promosi: Jurnal Program Studi Pendidikan Ekonomi, 10(2).
Khan, W. A., & Abideen, Z. U. (2023). Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust. Future Business Journal, 9(1), 73.
Kumar, S., Poudyal, A., & Chaurasia, A. (2024). Online impulsive buying behaviour: A systematic review. Colombo Business Journal, 15(2).
Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137-154.
Mary, L., & Antony, A. (2022). Digital payment systems (DPS) and its influence on impulsive buying behaviour of consumers. International Journal of Health Sciences, (II), 2095-2102.
Li, X., Dai, J., Zhu, X., Li, J., He, J., Huang, Y., ... & Shen, Q. (2023). Mechanism of attitude, subjective norms, and perceived behavioral control influence the green development behavior of construction enterprises. Humanities and Social Sciences Communications, 10(1), 266.
Lim, H. J., Lee, S., Kim, M., & Lee, W. (2025). Comparative Analysis of Security Features and Risks in Digital Asset Wallets. Electronics, 14(12), 2436.
Lyliani, S., & Nastiti, P. K. Y. (2025). PERAN SELF-CONTROL DAN MINAT BERPERILAKU KONSUMTIF PADA HUBUNGAN LITERASI KEUANGAN DAN PERILAKU KONSUMTIF. Jurnal Dinamika Ekonomi Rakyat, 4(2), 55-76.
Maharani, P., Safitri, S. N., Nofriandini, A., Naswa, J. F., Sari, K. C., Nurhayati, N., ... & Juwita, S. (2025). HUBUNGAN KONTROL DIRI TERHADAP PERILAKU COMPULSIVE BUYING PADA MAHASISWA RANTAU DI UNIVERSITAS NEGERI PADANG. Liberosis: Jurnal Psikologi dan Bimbingan Konseling, 13(2), 151-160.
Malau, L. R. E., Khaliqi, M., Yulni, T., Rambe, K. R., Novanda, R. R., & Wibowo, R. P. (2025). Why we waste: A meta-analysis of food waste behavior using the Theory of Planned Behavior (TPB). Sustainable Futures, 10, 101421.
Kennedhy Morits, K., lestari Anakaka, D., & Panis, M. P. (2025). Self-Control and Impulsive Buying Behavior in Fashion Models. Journal of Health and Behavioral Science, 7(3), 763-778.
Morozova, N., & Vlaev, I. (2024). The urge to splurge: Differentiating unplanned and impulse purchases. International Journal of Market Research, 66(5), 519-542.
Parungao, R. A. B. (2024). Cashless transactions: Assessing the impact of e-wallet on customers’ security, expenditure, and satisfaction. International Journal of Advanced Multidisciplinary Studies, 4(4).
Putri, I. T. A., & Widyastuti, W. The Influence Of Self-Control On Implusive Buying Behavior For Student Users Of Tiktok: Pengaruh Kontrol Diri Terhadap Perilaku Impulsive Buying Pada Mahasiswa Pengguna TikTok.
Qomariyah, A., Qibtiyah, G. A., & Bemby, F. A. W. (2022). Financial Literacy, Impulsive Buying Behavior, and the Z-Gen. Review of Integrative Business and Economics Research, 11, 164-178.
Qureshi, F. H., Sokić, K., & Khawaja, S. (2025). Impulsive buying tendencies and personality: Cognitive and affective aspects. Psychiatry international, 6(1), 5.
Sutticherchart, J., & Rakthin, S. (2023). Determinants of digital wallet adoption and super app: A review and research model. Management & Marketing, 18(3), 270-289.
Rodrigues, R. I., Lopes, P., & Varela, M. (2021). Factors affecting impulse buying behavior of consumers. Frontiers in Psychology, 12, 697080.
Sari, R. K., Utama, S. P., & Zairina, A. (2021). The effect of online shopping and e-wallet on consumer impulse buying. APMBA (Asia Pacific Management and Business Application), 9(3), 231-242.
Sriani, P. P. I. (2022). Pengaruh Literasi Keuangan Dan Demografi Pengusaha Terhadap Pengelolaan Keuangan Pada Pelaku UMKM Di Kelurahan Banyuning Kecamatan Buleleng Kabupaten Buleleng (Doctoral dissertation, Universitas Pendidikan Ganesha).
Tay, L. Y., Tai, H. T., & Tan, G. S. (2022). Digital financial inclusion: A gateway to sustainable development. Heliyon, 8(6).
Tsai, K. C., Chou, T. H., Kittikowit, S., Hongsuchon, T., Lin, Y. C., & Chen, S. C. (2022). Extending theory of planned behavior to understand service-oriented organizational citizen behavior. Frontiers in Psychology, 13, 839688.
Tuominen, J., Nyrhinen, J., Rantala, E., & Wilska, T. A. (2025). Stimulation values and life satisfaction among young people: the role of impulsive buying and financial problems. Young Consumers, 26(7), 92-110.
Underdown, K., & Tamara, D. (2025). Digital wallets: a study on the influence of consumer perceptions and attitudes on impulsive consumer behaviour. Frontiers in Human Dynamics, 7, 1545141.
Wang, Y., Pan, J., Xu, Y., Luo, J., & Wu, Y. (2022). The determinants of impulsive buying behavior in electronic commerce. Sustainability, 14(12), 7500.
Wei, Q., Xiao, W., Yaqub, R. M. S., Irfan, M., Murad, M., & Yaqub, M. Z. (2023). Adoption of digital money (e-wallet) in the post COVID-19 era: The moderating role of low distribution charges and low transit time in impulsive buying: A developing country perspective. Frontiers in Environmental Science, 10, 984316.
Wibowo, S. F., Najib, M., Sumarwan, U., & Asnawi, Y. H. (2024). Broadening influence: Scale development for subjective norms across extended social groups in green purchasing. Environment and Social Psychology, 9(8), 2940.
Xu, Y., Du, J., Khan, M. A. S., Jin, S., Altaf, M., Anwar, F., & Sharif, I. (2022). Effects of subjective norms and environmental mechanism on green purchase behavior: An extended model of theory of planned behavior. Frontiers in Environmental Science, 10, 779629.
Anisa, N. A., Arifin, S., Setyowati, L., Hidayah, N., & Megasari, A. D. (2020). Financial literacy on impulsive buying behavior in Y generation. Quantitative Economics and Management Studies, 1(1), 70-75.
Aulia, S. A., Nathashia, K., & Kurniawati, M. (2025). PENGARUH LITERASI KEUANGAN TERHADAP PEMBELIAN IMPULSIF PADA PRODUK FASHION. Jurnal Psimawa: Diskursus Ilmu Psikologi dan Pendidikan, 8(2), 267-274.
Jebb, A. T., Ng, V., & Tay, L. (2021). A review of key Likert scale development advances: 1995–2019. Frontiers in psychology, 12, 637547.
Memon, M. A., Thurasamy, R., Ting, H., & Cheah, J.-H. (2025). Purposive sampling: A review and guidelines for quantitative research. Journal of Applied Structural Equation Modeling, 9(1), 1–23.
Hasan Polas MR. Sample selection in social science research: A holistic approach to methodological rigor. Insight-Statistics. 2025; 8(1): 740.
Prasetya, A. B., & Soehari, T. D. (2020). Analysis of the effect of project performance success for construction company competitiveness through customer satisfaction. International Journal of Research, 7, 275-284.
Zhao, S., Yang, Q., Im, H., Ye, B., Zeng, Y., Chen, Z., ... & Huang, D. (2022). The impulsive online shopper: effects of COVID-19 burnout, uncertainty, self-control, and online shopping trust. Future Business Journal, 8(1), 58.
Qomariyah, N., et al. (2022). Pengaruh Literasi Keuangan terhadap Impulsive Buying pada Generasi Muda.
Tuominen, M., et al. (2025). Financial Literacy and Impulsive Buying Behavior Among Young Consumers.
Arilia, N., & Lestari, D. (2022). Pengaruh Literasi Keuangan terhadap Financial Self Control Mahasiswa.
Febri, R. (2023). Financial Literacy and Self Control in Financial Behavior.
Rosa, A., & Listiadi, A. (2020). Financial Literacy and Financial Self-Control Among Students.
Putri, A., & Widyastuti, T. (2026). The Role of Self Control in Consumer Behavior and Digital Transactions.
Bregman, Z., et al. (2022). Mobile Payment and Consumer Spending Behavior.
Kaur, P., et al. (2020). Determinants of Mobile Wallet Adoption and Consumer Behavior.
Iyer, G. R., et al. (2020). Self-Control and Impulsive Buying Behavior.
Zhao, H., et al. (2022). The Effect of Self-Control on Online Impulsive Buying Behavior
Maharani, D., et al. (2025). Self Control and Impulsive Buying in Digital Payment Users.
Efendi, R., Indartono, S., & Sukidjo, S. (2019). The mediation of economic literacy on the effect of self control on impulsive buying behaviour moderated by peers. International Journal of Economics and Financial Issues, 9(3), 98.
Fristia, A., & Megawaty, D. A. (2026). The Impact of E-Wallet Usage on Student Shopping Behavior from the Perspective of Convenience and Impulsive Spending. Eduvest-Journal of Universal Studies, 6(3), 3400-3413.
Kartawinata, B. R., & Akbar, A. (2025). Analyzing the use of quick response (QR) payment: Impulsive purchase as a behavioral finance effect. Journal of Innovation in Business and Economics, 9(02 A).
Kraiwanit, T., Limna, P., & Wattanasin, P. (2024). Digital wallet dynamics: Perspectives on potential Worldcoin adoption factors in a developing country's FinTech Sector. Journal of Open Innovation: Technology, Market, and Complexity, 10(2), 100287.
Lutfiyah, Z. (2025). Pengaruh Fear of Missing Out, Paylater, dan Literasi Keuangan terhadap Impulsive Buying pada Gen Z. Indonesia Economic Journal, 1(2), 519-530.
Widiastuti, C., & Sumastuti, E. (2025). Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits.
Khan, W. A., & Abideen, Z. U. (2023). Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust. Future Business Journal, 9(1), 73.
Adiani, W., Aprianingsih, A., Fachira, I., Debby, T., & Maharatie, A. P. (2024). Social influence, financial benefit, and e-wallet multi-brand loyalty: The mediating impact of commitment. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2023.2290228
Dai, R. M., & Suryanto, S. (2019). Model Literasi Keuangan Dalam Meningkatkan Pengelolaan Keuangan Pada Pengusaha Olahan Susu Cipageran Di Kota Cimahi. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 8(1), 43-48.
Djamhari, S. I., Mustika, M. D., Sjabadhyni, B., & Ndaru, A. R. P. (2024). Impulsive buying in the digital age: investigating the dynamics of sales promotion, FOMO, and digital payment methods. Cogent Business & Management, 11(1).
Yousef, F. (2024). The impact of E-wallets on consumer spending behavior and financial management. International Journal for Scientific Research, 3(12), 429-456.
Galván-Mendoza, O., González-Rosales, V. M., Leyva-Hernández, S. N., Arango-Ramírez, P. M., & Velasco-Aulcy, L. (2022). Environmental knowledge, perceived behavioral control, and employee green behavior in female employees of small and medium enterprises in Ensenada, Baja California. Frontiers in psychology, 13, 1082306.
Hagger, M. S., Cheung, M. W. L., Ajzen, I., & Hamilton, K. (2022). Perceived behavioral control moderating effects in the theory of planned behavior: A meta-analysis. Health Psychology, 41(2), 155.
Jhawar, N. (2025). E-WALLET'S ATTRIBUTES & ITS IMPACT ON STIMULATING CONSUMER IMPULSE PURCHASE. Available at SSRN 5235187.
Kartini, T. K., & Mashudi, U. (2022). Literasi keuangan (financial literacy) mahasiswa indekos calon pendidik ekonomi FKIP Universitas Jember. Promosi: Jurnal Program Studi Pendidikan Ekonomi, 10(2).
Khan, W. A., & Abideen, Z. U. (2023). Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust. Future Business Journal, 9(1), 73.
Kumar, S., Poudyal, A., & Chaurasia, A. (2024). Online impulsive buying behaviour: A systematic review. Colombo Business Journal, 15(2).
Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137-154.
Mary, L., & Antony, A. (2022). Digital payment systems (DPS) and its influence on impulsive buying behaviour of consumers. International Journal of Health Sciences, (II), 2095-2102.
Li, X., Dai, J., Zhu, X., Li, J., He, J., Huang, Y., ... & Shen, Q. (2023). Mechanism of attitude, subjective norms, and perceived behavioral control influence the green development behavior of construction enterprises. Humanities and Social Sciences Communications, 10(1), 266.
Lim, H. J., Lee, S., Kim, M., & Lee, W. (2025). Comparative Analysis of Security Features and Risks in Digital Asset Wallets. Electronics, 14(12), 2436.
Lyliani, S., & Nastiti, P. K. Y. (2025). PERAN SELF-CONTROL DAN MINAT BERPERILAKU KONSUMTIF PADA HUBUNGAN LITERASI KEUANGAN DAN PERILAKU KONSUMTIF. Jurnal Dinamika Ekonomi Rakyat, 4(2), 55-76.
Maharani, P., Safitri, S. N., Nofriandini, A., Naswa, J. F., Sari, K. C., Nurhayati, N., ... & Juwita, S. (2025). HUBUNGAN KONTROL DIRI TERHADAP PERILAKU COMPULSIVE BUYING PADA MAHASISWA RANTAU DI UNIVERSITAS NEGERI PADANG. Liberosis: Jurnal Psikologi dan Bimbingan Konseling, 13(2), 151-160.
Malau, L. R. E., Khaliqi, M., Yulni, T., Rambe, K. R., Novanda, R. R., & Wibowo, R. P. (2025). Why we waste: A meta-analysis of food waste behavior using the Theory of Planned Behavior (TPB). Sustainable Futures, 10, 101421.
Kennedhy Morits, K., lestari Anakaka, D., & Panis, M. P. (2025). Self-Control and Impulsive Buying Behavior in Fashion Models. Journal of Health and Behavioral Science, 7(3), 763-778.
Morozova, N., & Vlaev, I. (2024). The urge to splurge: Differentiating unplanned and impulse purchases. International Journal of Market Research, 66(5), 519-542.
Parungao, R. A. B. (2024). Cashless transactions: Assessing the impact of e-wallet on customers’ security, expenditure, and satisfaction. International Journal of Advanced Multidisciplinary Studies, 4(4).
Putri, I. T. A., & Widyastuti, W. The Influence Of Self-Control On Implusive Buying Behavior For Student Users Of Tiktok: Pengaruh Kontrol Diri Terhadap Perilaku Impulsive Buying Pada Mahasiswa Pengguna TikTok.
Qomariyah, A., Qibtiyah, G. A., & Bemby, F. A. W. (2022). Financial Literacy, Impulsive Buying Behavior, and the Z-Gen. Review of Integrative Business and Economics Research, 11, 164-178.
Qureshi, F. H., Sokić, K., & Khawaja, S. (2025). Impulsive buying tendencies and personality: Cognitive and affective aspects. Psychiatry international, 6(1), 5.
Sutticherchart, J., & Rakthin, S. (2023). Determinants of digital wallet adoption and super app: A review and research model. Management & Marketing, 18(3), 270-289.
Rodrigues, R. I., Lopes, P., & Varela, M. (2021). Factors affecting impulse buying behavior of consumers. Frontiers in Psychology, 12, 697080.
Sari, R. K., Utama, S. P., & Zairina, A. (2021). The effect of online shopping and e-wallet on consumer impulse buying. APMBA (Asia Pacific Management and Business Application), 9(3), 231-242.
Sriani, P. P. I. (2022). Pengaruh Literasi Keuangan Dan Demografi Pengusaha Terhadap Pengelolaan Keuangan Pada Pelaku UMKM Di Kelurahan Banyuning Kecamatan Buleleng Kabupaten Buleleng (Doctoral dissertation, Universitas Pendidikan Ganesha).
Tay, L. Y., Tai, H. T., & Tan, G. S. (2022). Digital financial inclusion: A gateway to sustainable development. Heliyon, 8(6).
Tsai, K. C., Chou, T. H., Kittikowit, S., Hongsuchon, T., Lin, Y. C., & Chen, S. C. (2022). Extending theory of planned behavior to understand service-oriented organizational citizen behavior. Frontiers in Psychology, 13, 839688.
Tuominen, J., Nyrhinen, J., Rantala, E., & Wilska, T. A. (2025). Stimulation values and life satisfaction among young people: the role of impulsive buying and financial problems. Young Consumers, 26(7), 92-110.
Underdown, K., & Tamara, D. (2025). Digital wallets: a study on the influence of consumer perceptions and attitudes on impulsive consumer behaviour. Frontiers in Human Dynamics, 7, 1545141.
Wang, Y., Pan, J., Xu, Y., Luo, J., & Wu, Y. (2022). The determinants of impulsive buying behavior in electronic commerce. Sustainability, 14(12), 7500.
Wei, Q., Xiao, W., Yaqub, R. M. S., Irfan, M., Murad, M., & Yaqub, M. Z. (2023). Adoption of digital money (e-wallet) in the post COVID-19 era: The moderating role of low distribution charges and low transit time in impulsive buying: A developing country perspective. Frontiers in Environmental Science, 10, 984316.
Wibowo, S. F., Najib, M., Sumarwan, U., & Asnawi, Y. H. (2024). Broadening influence: Scale development for subjective norms across extended social groups in green purchasing. Environment and Social Psychology, 9(8), 2940.
Xu, Y., Du, J., Khan, M. A. S., Jin, S., Altaf, M., Anwar, F., & Sharif, I. (2022). Effects of subjective norms and environmental mechanism on green purchase behavior: An extended model of theory of planned behavior. Frontiers in Environmental Science, 10, 779629.
Anisa, N. A., Arifin, S., Setyowati, L., Hidayah, N., & Megasari, A. D. (2020). Financial literacy on impulsive buying behavior in Y generation. Quantitative Economics and Management Studies, 1(1), 70-75.
Aulia, S. A., Nathashia, K., & Kurniawati, M. (2025). PENGARUH LITERASI KEUANGAN TERHADAP PEMBELIAN IMPULSIF PADA PRODUK FASHION. Jurnal Psimawa: Diskursus Ilmu Psikologi dan Pendidikan, 8(2), 267-274.
Jebb, A. T., Ng, V., & Tay, L. (2021). A review of key Likert scale development advances: 1995–2019. Frontiers in psychology, 12, 637547.
Memon, M. A., Thurasamy, R., Ting, H., & Cheah, J.-H. (2025). Purposive sampling: A review and guidelines for quantitative research. Journal of Applied Structural Equation Modeling, 9(1), 1–23.
Hasan Polas MR. Sample selection in social science research: A holistic approach to methodological rigor. Insight-Statistics. 2025; 8(1): 740.
Prasetya, A. B., & Soehari, T. D. (2020). Analysis of the effect of project performance success for construction company competitiveness through customer satisfaction. International Journal of Research, 7, 275-284.
Zhao, S., Yang, Q., Im, H., Ye, B., Zeng, Y., Chen, Z., ... & Huang, D. (2022). The impulsive online shopper: effects of COVID-19 burnout, uncertainty, self-control, and online shopping trust. Future Business Journal, 8(1), 58.
Qomariyah, N., et al. (2022). Pengaruh Literasi Keuangan terhadap Impulsive Buying pada Generasi Muda.
Tuominen, M., et al. (2025). Financial Literacy and Impulsive Buying Behavior Among Young Consumers.
Arilia, N., & Lestari, D. (2022). Pengaruh Literasi Keuangan terhadap Financial Self Control Mahasiswa.
Febri, R. (2023). Financial Literacy and Self Control in Financial Behavior.
Rosa, A., & Listiadi, A. (2020). Financial Literacy and Financial Self-Control Among Students.
Putri, A., & Widyastuti, T. (2026). The Role of Self Control in Consumer Behavior and Digital Transactions.
Bregman, Z., et al. (2022). Mobile Payment and Consumer Spending Behavior.
Kaur, P., et al. (2020). Determinants of Mobile Wallet Adoption and Consumer Behavior.
Iyer, G. R., et al. (2020). Self-Control and Impulsive Buying Behavior.
Zhao, H., et al. (2022). The Effect of Self-Control on Online Impulsive Buying Behavior
Maharani, D., et al. (2025). Self Control and Impulsive Buying in Digital Payment Users.
Published
2026-06-17
How to Cite
Melvin Diaz Ilyasa, & Sutrisno. (2026). The Effect of Financial Literacy and the Use of E-Wallet on Impulsive Buying with Self Control as a Mediation Variable in Islamic University of Indonesia Students. International Journal of Economics, Business and Innovation Research, 5(04), 1355-1384. https://doi.org/10.63922/ijebir.v5i04.4458
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