IMPULSE PURCHASE DECISION IN DIGITAL PAYMENT : EXAMINING FOMO, MATERIALISM, SELF-CONTROL
Abstract
Pergeseran masyarakat menuju digital payment mengubah pola konsumsi menjadi lebih cepat dan impulsif, khususnya di kalangan mahasiswa yang aktif secara digital. Penelitian ini bertujuan menganalisis pengaruh Fear of Missing Out (FOMO), materialism, dan self-control terhadap impulse purchase decision pada mahasiswa pengguna digital payment di Kota Malang, baik secara parsial maupun simultan. Pendekatan yang digunakan adalah kuantitatif eksplanatori. Data primer dikumpulkan melalui kuesioner daring berskala Likert empat poin terhadap 217 mahasiswa dari empat perguruan tinggi negeri di Kota Malang, yaitu UIN Maulana Malik Ibrahim Malang, Universitas Brawijaya, Universitas Negeri Malang, dan Politeknik Negeri Malang, yang dipilih melalui purposive dan quota sampling. Teknik analisis yang dipakai adalah regresi linear berganda dengan bantuan SPSS versi 26, didahului uji validitas, reliabilitas, dan uji asumsi klasik. Hasil penelitian menunjukkan FOMO berpengaruh positif dan signifikan terhadap impulse purchase decision, materialism berpengaruh positif dan signifikan sekaligus menjadi prediktor paling dominan, sedangkan self-control berpengaruh negatif dan signifikan. Secara simultan, ketiga variabel berpengaruh signifikan dengan kontribusi Adjusted R-squared sebesar 76,6 persen. Temuan ini menegaskan bahwa keputusan pembelian impulsif merupakan hasil interaksi tekanan sosial, orientasi nilai konsumtif, dan kapasitas pengendalian diri dalam ekosistem pembayaran digital. Implikasi praktisnya mengarah pada penguatan literasi keuangan, pembentukan self-control, serta desain layanan digital payment yang bertanggung jawab.
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Suryati, & Safitri, R. (2025). The Effect of Digital Wallet or E-Wallet Use and Sharia Financial Literacy on Impulsive Buying Among Gen Z in Malang City. Jurnal Multidisiplin Madani (MUDIMA), 5(6), 575–583. https://doi.org/https://doi.org/10.55927/mudima.v5i6.339
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Vohs, K. D., & Faber, R. J. (2007). Self-Regulatory Resource Availability Affects Impulse Buying. Journal of Consumer Research, 33(4), 422–424. https://doi.org/https://doi.org/10.1086/208833
Zulkarnaen, W., & Amin, N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 2(1), 106-128. https://doi.org/10.31955/mea.v2i1.52.
Akbari, M., Seydavi, M., Palmieri, S., Mansueto, G., Caselli, G., & Spada, M. M. (2021). Fear of missing out (FoMO) and internet use: A comprehensive systematic review and meta-analysis. Journal of Behavioral Addictions, 10(4), 879–900. https://doi.org/10.1556/2006.2021.00083
Ananta, S. H., Selia, M., Puriani, R. A., & Putri, R. M. (2025). FOMO DAN KONSUMERISME: STUDI TENTANG PEMBELIAN IMPULSIF DI KALANGAN PENGGUNA MEDIA SOSIAL. Jurnal Media Akademik (JMA), 3(5). https://doi.org/https://doi.org/10.62281/v3i5.1879
Asyifa, H. A., Hidayah, K., & Haryanto, H. C. (2024). Pengaruh Fear of Missing Out (FoMO) terhadap Pembelian Impulsif Online Food Delivery pada Generasi Z. Consulenza: Jurnal Bimbingan Konseling Dan Psikologi, 7(2). https://doi.org/https://doi.org/10.56013/jcbkp.v7i2.2982
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Bank Indonesia. (2026). Tinjauan Kebijakan Moneter Mei 2026. https://www.bi.go.id/id/publikasi/laporan/Pages/TKM-Mei-2026.aspx
Baumeister, R. F. (2002). Yielding to Temptation: Self-Control Failure and Consumer Behavior. Journal of Consumer Research, 28(4), 670–676. https://doi.org/https://doi.org/10.1086/338209
Beatty, S. E., & Ferrell, M. E. (1998). Impulse Buying: Modeling its Precursors. Journal of Retailing, 74(2), 169–191.
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (5th Editio). SAGE Publications.
Damayanti, M. R., & Sagoro, E. M. (2024). Pengaruh Perilaku Fear of Missing Out (FoMO) Terhadap Impulsive Buying pada Pengguna E-Commerce. Jurnal Pendidikan Akuntansi Indonesia, 22(2), 66–77. https://doi.org/https://doi.org/10.21831/jpai.v22i2.76414
Deci, E. L., & Ryan, R. M. (1985). Intrinsic Motivation and Self-Determination in Human Behavior. Springer Science & Business Media. https://doi.org/10.1007/978-1-4899-2271-7
Dittmar, H. (2005). Compulsive buying – a growing concern? An examination of gender, age, and endorsement of materialistic values as predictors. British Journal of Psychology, 96(4), 467–491. https://doi.org/https://doi.org/10.1348/000712605X53533
Djamhari, S. I., Mustika, M., 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), 1–16. https://doi.org/https://doi.org/10.1080/23311975.2024.2419484
Eddy, S. A. H., & Arifin, A. A. (2025). Hubungan FOMO dan Self-Control dengan Perilaku Impulsive Buying pada Mahasiswa Pengguna PayLater. Universitas Muhammadiyah Surakarta. https://eprints.ums.ac.id/136545
Festinger, L. (1954). A Theory of Social Comparison Processes. Human Relations, 7(2), 117–140. https://doi.org/10.1177/001872675400700202
Firmansyah, F., Rozi, C., & Prajawati, M. I. (2021). Economic benefit, convenience dan risk benefit dalam mempengaruhi penggunaan Fintech yang berulang. Jurnal Ekonomi Modernisasi, 17(2), 113–124. https://doi.org/https://doi.org/10.21067/jem.v17i2.5578
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Addison-Wesley.
Ghozali, I. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS 26 (10th ed.). Badan Penerbit Universitas Diponegoro.
Gujarati, D. N. (2004). Basic Econometrics (4th ed.). McGraw-Hill.
Hussain, S., Raza, A., Haider, A., Ishaq, M. I., & Talpur, Q. (2023). Fear of missing out and compulsive buying behavior: The moderating role of mindfulness. Journal of Retailing and Consumer Services, 75, 103512. https://doi.org/10.1016/j.jretconser.2023.103512
Iyer, G. R., Blut, M., Xiao, S. H., & Grewal, D. (2020). Impulse Buying: A Meta-Analytic Review. Journal of the Academy of Marketing Science, 48(384–404). https://doi.org/https://doi.org/10.1007/s11747-019-00670-w
Katadata Insight Center. (2024). Laporan Perilaku Pengguna PayLater Indonesia 2024. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/2ee1a5c2bc6f0bb/e-wallet-metode-pembayaran-utama-konsumen-belanja-online
Katsir, I. (2006). Tafsir Al-Qur’an al-’Aẓīm. Gema Insani.
Kredivo & Katadata Insight Center. (2024). Laporan Perilaku Pengguna Paylater Indonesia 2024. https://databoks.katadata.co.id/publikasi/2024/06/25/laporan-perilaku-pengguna-paylater-indonesia-2024
Kusmaryono, I., Wijayanti, D., & Maharani, H. R. (2022). Number of Response Options, Reliability, Validity, and Potential Bias in the Use of the Likert Scale Education and Social Science Research: A Literature Review. International Journal of Educational Methodology, 8(4), 625–637. https://doi.org/https://doi.org/10.12973/ijem.8.4.625
Nguyen, D. N., & Nguyen, D. Van. (2025). FOMO and the Impulsive Purchasing Behavior of Young People. European Journal of Business and Management Research, 10(3). https://doi.org/10.24018/ejbmr.2025.10.3.2638
Pangesti, G. I., Rohayati, N., & Pertiwi, A. (2025). Godaan Paylater: Peran Kontrol Diri dan FoMO dalam Pembelian Impulsif. Jurnal P3K (Penelitian Pendidikan, Psikologi Dan Kesehatan), 6(3), 1223–1231. https://doi.org/https://doi.org/10.51849/j-p3k.v6i3.830
Pratiwi, K. T., Anggriani, R., Dethan, S. H., Widiyasti, B. D., & Jati, L. J. (2025). Pengaruh Shopping Enjoyment, Self Controldan Digital PaymentTerhadap Perilaku Impulsive Buying. Journal of Artificial Intelligence and Digital Business (RIGGS), 4(4), 1993–2000. https://doi.org/https://doi.org/10.31004/riggs.v4i4.3514
Przybylski, A. K., Murayama, K., DeHaan, C. R., & Gladwell, V. (2013). Motivational, emotional, and behavioral correlates of fear of missing out. Computers in Human Behavior, 29(4), 1841–1848. https://doi.org/10.1016/j.chb.2013.02.014
Putri, D. S. P., & Rahayu, Y. S. (2022). Pengaruh Digital Marketing terhadap Keputusan Pembelian Produk Jasa Pada Fintech Syariah (Studi pada Erahn.Id). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(3), 1077–1092. https://doi.org/http://dx.doi.org/10.30651/jms.v7i3.14725
Richins, M. L., & Dawson, S. (1992). A Consumer Values Orientation for Materialism and Its Measurement: Scale Development and Validation. Journal of Consumer Research, 19(3), 303–316. https://doi.org/10.1086/209304
Rook, D. W. (1987). The Buying Impulse. Journal of Consumer Research, 14(2), 189–199.
Saepudin, L., Suherman, U., & Pranata, R. M. (2025). Pengaruh Uang Saku dan Self-Control Terhadap Perilaku Pembelian Impulsif Merchandise K-Pop. Jurnal Ekonomi, Manajemen Dan Akuntansi (JEMSI), 11(3), 1667–1675. https://doi.org/https://doi.org/10.35870/jemsi.v11i3.4185
Shihab, M. Q. (2002). Tafsir Al-Mishbah: Pesan, Kesan dan Keserasian Al-Qur’an. Lentera Hati.
Soman, D., & Gourville, J. T. (2001). Transaction Decoupling: How Price Bundling Affects the Decision to Consume. Journal of Marketing Research, 38(1), 30–44.
Sugiyono. (2023). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Suryati, & Safitri, R. (2025). The Effect of Digital Wallet or E-Wallet Use and Sharia Financial Literacy on Impulsive Buying Among Gen Z in Malang City. Jurnal Multidisiplin Madani (MUDIMA), 5(6), 575–583. https://doi.org/https://doi.org/10.55927/mudima.v5i6.339
Syafitri, I. (2025). FoMO (Fear of Missing Out) on Impulsive Buying of Skintific Among Gen Z: A Conceptual Framework. ISC-BEAM Journal, 3(1). https://doi.org/https://doi.org/10.21009/ISC-BEAM.013.82
Ulum, I. F., & Solekah, N. A. (2024). The Impact of Lifestyle, Financial Literacy, and Ease of Use of E-Payment on E-Wallet Users’ Consumptive Behavior in the Millennial Generation. Management and Economics Journal (MEC-J), 8(1), 71–82. https://doi.org/https://www.google.com/search?q=https://doi.org/10.18860/mec-j.v8i1.24641
Vohs, K. D., & Faber, R. J. (2007). Self-Regulatory Resource Availability Affects Impulse Buying. Journal of Consumer Research, 33(4), 422–424. https://doi.org/https://doi.org/10.1086/208833
Zulkarnaen, W., & Amin, N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 2(1), 106-128. https://doi.org/10.31955/mea.v2i1.52.
Published
2026-08-10
How to Cite
Choirunnisa, P., & Solekah, N. (2026). IMPULSE PURCHASE DECISION IN DIGITAL PAYMENT : EXAMINING FOMO, MATERIALISM, SELF-CONTROL. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 10(2), 1511-1534. https://doi.org/10.31955/mea.v10i2.7644
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