THE EFFECT OF QR E-WALLET PAYMENT METHODS, MONEY AVAILABILITY, AND LIFESTYLE ON IMPULSIVE BUYING AMONG UNIVERSITY STUDENTS

Abstract

This study examines the effects of QR code–based e-wallet payment methods, money availability, and lifestyle on impulsive buying among Economics Education students at the University of Lampung. A quantitative descriptive–verificative approach was applied using ex post facto and survey methods, with data collected from 283 students through questionnaires and analyzed using t-tests and F-tests in SPSS. The independent variables contributed significantly to impulsive spending, both simultaneously and partially. The F test produced an F above the critical value (88.434 > 2.66), with an R² of 0.621, proving that 62.1% of impulsive buying behavior can be explained by the independent variables, with the remaining 37.9% being influenced by other factors. The novelty of this study lies in the combined analysis of QR-based digital payments, money availability, and lifestyle, which have rarely been examined together in previous research. The findings highlight the importance of financial management and financial literacy to reduce impulsive buying behavior among students.