Talent: Journal of Economics and Business

Understanding Students’ Consumption Behavior: The Role of Digital Payment, Financial Literacy, and Lifestyle

2025-09-15T16:20:08+00:00

This study explores the shifting consumption behavior in society amidst the rapid digitalization of payment systems, particularly through the use of digital payments, which have become an integral part of the economic activities of the younger generation. The main objective of this study is to evaluate the impact of digital payment usage on consumptive behavior, taking into account the mediating role of financial self-control and the moderating role of financial literacy. A quantitative approach was employed, utilizing primary data collected through questionnaires distributed primarily to university students. The data were analyzed using structural equation modeling (SEM) to identify patterns of relationships among the studied variables. A total of 153 respondents participated in this study. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS software, which enabled comprehensive testing of measurement validity, reliability, and structural relationships among variables. The results indicate that higher intensity of digital payment usage is associated with a greater likelihood of uncontrolled and impulsive consumptive behavior. However, individuals' ability to exercise financial self-control significantly mitigates this negative effect and supports more prudent financial decision-making. On the other hand, financial literacy did not exhibit a significant moderating effect, although it is still conceptually considered important in shaping rational financial attitudes. The discussion highlights the need for the development of digital features that promote financial discipline. Therefore, financial management strategies in the digital era should be holistic, adaptive, collaborative, and oriented toward fostering healthy, balanced, and sustainable consumption behavior.

Enhancing Business Sustainability through Creativity: The Role of Product Innovation and Entrepreneurial Skills

2025-09-15T16:22:21+00:00

This study aims to analyze the effect of product innovation on business sustainability, by considering creativity as a mediating variable and entrepreneurial skills as a moderating variable on fast food MSME actors in Bekasi Regency. The research method used is a quantitative research method. The data source used is primary data by distributing questionnaires online and direct interviews. The population in the study was all fast food MSME actors in Bekasi Regency whose number is unknown. The number of samples in this study was 105 respondents obtained using Purposive sampling and the Hair at,.al formula. The results showed that product innovation did not have a significant direct effect on business sustainability. The data analysis process was carried out by testing the outer model to ensure the validity and reliability of the indicators. Continued with the R Square test and path analysis to evaluate the relationship between constructs, including the mediation effect. The significance of the relationship is determined based on the probability value of the bootstrapping process. However, there is a significant indirect effect through creativity, which means that creativity mediates the relationship. Meanwhile, entrepreneurial skills do not play a significant role in moderating the relationship between product innovation and business sustainability. This research provides novelty by integrating creativity as a mediator and entrepreneurial skills as a moderator in the context of fast food MSMEs, which has been rarely examined in previous studies. The findings also carry practical implications by highlighting the importance for MSME actors to foster creativity in order to achieve business sustainability, even when product innovation alone does not guarantee success.

Economic Drivers of Overseas Job Applications: The Mediating Role of Career Opportunities and Moderating Effect of Family Support

2025-09-15T16:25:20+00:00

In the context of increasing global labor mobility driven by economic pressures and limited domestic career prospects, understanding the determinants of overseas job interest becomes highly relevant. This study aims to examine the influence of economic factors on the interest in applying for jobs abroad, considering the mediating role of career opportunities and the moderating role of family support. A quantitative approach was employed using a survey method with questionnaires distributed to 149 respondents, and the data were analyzed using SmartPLS 3 software. The results indicate that economic factors have a positive and significant effect on the interest in working abroad, both directly and indirectly through the mediation of career opportunities. However, family support was not found to significantly moderate the relationship between economic factors and job application interest. These findings suggest that while economic conditions and career prospects play a crucial role in encouraging interest in working abroad, family support does not significantly influence this relationship. In conclusion, improving economic conditions and perceived career opportunities are the primary drivers of interest in working overseas, whereas family support is not a determining factor in this context.

Digital Payments and Consumptive Behavior Among Millennials and Gen Z: The Mediating Role of a Cashless Lifestyle

2025-09-15T16:27:11+00:00

Driven by cultural shifts in lifestyle and social interaction shaped by the cashless society trend, this study examines the influence of digital payment use on the consumptive behavior of millennials and generation Z by considering the cashless lifestyle as an intermediate variable. The purpose of this study is to find out the extent to which digital payments affect consumptive tendencies in the digital era. This study uses a quantitative approach with a survey method and is analyzed through the Partial Least Square (PLS) technique. The results of the study show that digital payments do not have a direct effect on consumptive behavior, but have an indirect effect through the characteristics of the millennial generation. In addition, both millennials and generation Z have a significant influence on consumptive behavior. The discussion shows that consumption in the younger generation is driven more by lifestyle and social factors than the convenience of technology alone. The conclusion of this study emphasizes the importance of financial literacy and wise consumption education in the midst of financial technology developments. Follow-up research is recommended using a qualitative approach to explore deeper psychological factors and expand the population so that the results can be generalized more broadly.

Exploring the Mediating Role of Digital Literacy and Moderating Role of Security Perception in Fintech Trust and Digital Payment Adoption

2025-09-15T16:17:26+00:00

Amid the rapid growth of fintech adoption that is not yet matched by adequate digital literacy and trust level. This study aims to analyze the role of digital literacy in mediating the effect of trust in fintech services on the use of digital payments, as well as exploring the moderating role of perceived security in the relationship. Quantitative methods were used by collecting data from 78 respondents through questionnaires, then analyzed using SmartPLS 3. The results showed that trust in fintech services had a significant effect on digital literacy and digital payment usage. However, digital literacy does not have a significant direct effect on digital payment usage and does not significantly mediate the relationship between trust and digital payment usage. In contrast, perceived security was shown to significantly moderate the relationship between trust, digital literacy, and digital payment usage. These findings emphasize the importance of increasing digital literacy education, strengthening trust in fintech services, and effective communication about application security to users. This study also recommends a strategy based on user segmentation, especially based on the level of digital literacy and security perceptions, so that interventions are more targeted and able to encourage wider and more sustainable adoption of digital payments.