The Eastasouth Management and Business

Vol. 3, No. 01, September 2024, pp. 65 - 76

ISSN: 2985-7120, DOI: 10.58812/esmb.v3i01

The Influence Of E-Wallet Use on Consumptive Behavior of

Mataram City Communities Moderate by Self-Control
Nyoman Suryadina Karthika1, Taufiq Chaidir2, Ida Ayu Putri Suprapti3
1,2,3 Universitas Mataram

Article Info ABSTRACT

Article history:
This study aimed to examine and analyze the influence of e-
Received Sep, 2024 wallet usage on consumptive behavior in the community of
Revised Sep, 2024 Mataram City, with self-control as a moderator. The population
Accepted Sep, 2024
consists of Mataram City residents who use e-wallets and
belong to the Zillennial or Gen Z generation, aged between 17
Keywords: and 27 years old. The convenience sampling technique was
Consumptive Behavior
employed to conduct the sampling. This study employed a
Gen Z quantitative research approach, collecting data via a
Self-Control questionnaire including statements that reflect the indicators of
The Use of E-Wallet each construct. As the research variables were second-order, the
approach used was the Embedded Two Stage Approach,
involving two stages of testing: the first stage included an outer
model test through validity and reliability tests on repeated
indicators, while the second stage included an outer model test,
inner model test, and hypothesis testing. The findings of this
investigation demonstrated that consumer behavior was
substantially and positively influenced by the use of e-wallets,
while self-control did not significantly modulate the
relationship between the two. Therefore, a good self-control
should be enhanced, not only for long-term needs but also for
short-term matters as well.
This is an open access article under the CC BY-SA license.

Corresponding Author:

Name: Nyoman Suryadina Karthika

Institution: Universitas Mataram
Email: a1a020193@[Link]

1. INTRODUCTION server-based electronic money.

Chip-based electronic currency
On August 14, 2014, Bank Indonesia retains monetary value within a chip
(BI) initiated the National Cashless Movement integrated in the card, exemplified by e-
(GNNT) to establish a secure, efficient, and money cards such as Tap Cash BNI, Flazz
seamless payment system. Numerous forms BCA, and Brizzi BRI. Meanwhile, server-
of non-cash payment instruments have arisen, based electronic money stores the value of
including electronic money (e-money). money in internet-based applications, for
Electronic money is classified into two example electronic wallets or e-wallets.
categories: chip-based electronic money and Electronic wallet or e-wallet applications that

Journal homepage: [Link]

The Eastasouth Management and Business (ESMB)  66

are currently popular in use are Dana, OVO, 2. LITERATURE REVIEW

GoPay, Link-Aja, and Shoppe Pay. 2.1 Consumptive behaviour
E-walletIt is very popular among According to [5], consumptive
people, especially the millennial generation or behavior is the process of buying
Gen Z. This is because Gen Z has been around products that were originally a need
technology since birth, so they are used to (need) to become a desire (want). This is
something practical, easy and fast. Apart from caused by the increasing number and
providing convenience and speed, e-wallets variety of products which ultimately
are also accompanied by a security system changes the consumption process to a
and various promotions, discounts and even consumerist culture. Consumptive
attractive prizes which make them even more behavior can also be defined as the
popular. inclination to pursue maximum
However, apart from providing satisfaction by consuming products that
various benefits, the use of e-wallets is are not truly necessary (Fitriyani et al.,
thought to be able to encourage negative 2013; Tibrisi et al., 2020). Consumptive
behavior among its users, namely consumer behavior is often used as a means to show
behavior. Consumptive behavior refers to an social status, wealth, prestige, and obtain
individual's engagement in the acquisition of satisfaction for its adherents, which
commodities driven not by necessity, but by causes consumptive behavior to be
the inclination to adhere to trends [1]. considered as part of a person's lifestyle
According to [2]Psychologically, a process [8]. From these several
person does not feel like they are spending definitions, it can be inferred that
money when making online transactions, thus consumer behavior is characterized by an
giving rise to an addiction to repeated individual's purchasing actions that
purchases. Repeated spending that is done prioritize wishes, self-esteem, and
especially without clear planning and only personal gratification over the benefits
because of emotional satisfaction ultimately and use of the commodities.
causes a person to behave consumptively. [9] explains that when someone
However, consumptive behavior caused by engages in certain behaviors, such as
using e-wallets can be reduced if users have impulsive, wasteful, or non-rational
good self-control. Self-control is an purchasing, it is considered consumptive
individual's capacity and proficiency in behavior. Impulsive buying or impulsive
managing behavior by repressing, regulating, buying emphasizes the sudden desire
or guiding desires through various and desire to buy goods without prior
considerations [3]. consideration or not thinking about what
Therefore, the consumptive behavior benefits will be obtained later. Wasteful
of the people of Mataram City may be buying or extravagance emphasizes a
influenced by the use of e-wallets and self- person's tendency to satisfy desires
control can also moderate (strengthen or without thinking about the amount of
weaken) the influence of e-wallet use on the money that must be spent. Then, non-
consumptive behavior of the people of rational buying or irrational buying
Mataram City. This is in line with emphasizes shopping behavior without
research[4]which states that the perception of any need value, but only to provide
ease and usefulness of using e-wallets can feelings of joy, pride, confidence,
increase consumer behavior significantly, but acceptance and appreciation by the
self-control is able to moderate (weaken) the surrounding environment.
influence of perceived ease and usefulness of 2.2 Digital Wallet (E-Wallet)
using e-wallets on consumptive behavior. An e-wallet is an electronic
service that retains payment instrument
information utilizing electronic currency,
which may also contain funds, to enable

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The Eastasouth Management and Business (ESMB)  67

transactions, as defined in Article 1 benefits or benefits to users. If

number 7 of Bank Indonesia Regulation users feel the benefits or
Number 18/40/PBI/2016 regarding the advantages of using e-wallet,
Implementation of the Payment then they will continue to use e-
Transaction Process (Bank Indonesia, wallet for transactions.
2023). On the other hand, [11] states that 5. Intention to Use, namely the
e-wallet is a digital wallet that is used as a ability of technology to encourage
non-cash payment tool for making online someone to want to use or even
purchases. Digital wallets can also be reuse the technology. If you look
interpreted as software used on at Davis' opinion, Intention of Use
computers or smartphones for online can be interpreted as a person's
transactions (Mujahideen, 2020). "interest" in using technology.
Researchers formulated the 2.3 Self-control
factors that make someone use e-wallet Ghufron and Suminta (2017)
into five, namely based on the Technology stated that self-control is a mechanism
Acceptance Model (TAM) by Fred D. that every individual has to help regulate
Davis (1986) which is a model for and direct their behavior.[2]. In line with
analyzing factors that influence this understanding, Adriel Boals (2011) in
acceptance of the use of information [14] defines self-control as a person's
technology, namely [13]: ability to control impulsive behavior so
1. Trust. The ability of technology to that it can help them resist temptation to
provide services or results in achieve long-term goals.
accordance with what is offered Self-control is defined as an
will give rise to user trust in the individual's capacity and proficiency in
technology. If e-wallet users trust managing behavior by repressing,
the e-wallet application they use, regulating, or guiding desires based on
it will encourage them to use the numerous considerations [3]. Meanwhile,
e-wallet continuously. self-control in financial management is
2. Ease of Use, that is, operating a defined as a strategy used by individuals
technology does not require a lot to prevent waste in financial allocation
of effort or effort, in other words [15] From these definitions, the author can
the technology is easy to use. The conclude that self-control is the ability a
convenience provided by e- person has to control their behavior or
wallets has had a positive impact desires so that it leads to a positive
which has increased its use, impact.
where users are no longer just According to research conducted
evaluating, but rather making e- [15], self-control has several indicators,
wallets a necessity for carrying namely:
out transactions. 1. Savings Initiative, which is an
3. Perceived Security, namely the initiative to save unexpected
ability of technology to maintain expenses. Taking the initiative to
the security of users' personal keep saving shows that the
data and prevent misuse either by person is thinking long and hard
other people or by providers about the future.
when using this technology. If the 2. Intention to Save, namely the
security of the e-wallet intention to make savings. With
application is guaranteed, then the intention to save, a person
users will not hesitate to continue will be able to control himself in
using the application. his attitude regarding his finances
4. Perceived Usefulness, namely the so that he will avoid purchasing
ability of a technology to provide things that are not needed.

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3. Financial planning, namely the Expenditures, namely feeling

habit of shopping with financial uncomfortable when making
planning in advance. With good unimportant expenses. When
financial planning, a person will someone avoids spending that
direct their spending in more they feel is not important, they
detail by targeting what needs will only focus on their needs, so
should be prioritized, thereby they will not behave
avoiding a wasteful lifestyle or consumptively.
irrational purchases. 2.4 Conceptual Framework
4. Avoiding Non-Essential

Priscilia & Fadjar, 2024;

Wawo et al., 2023;
Abidzar et al., 2023;
E-wallet Usage Oktary et al., 2023;
(X) Almukhlisah et al., 2023;
Layaman et al., 2022;
Lestari, 2022;
Dewi et al., 2021;
Kusuma, 2020
Agasi & Aryani, 2024;
[Link] &
Self-Control (M)
[Link], 2024;
Luh Gede et al., 2021;

Theory of
Consumptive Consumptive
Behavior (Y) Behavior
Sumartono (2002)

Figure 1. Conceptual Framework

According to the aforementioned is primary data acquired from

conceptual framework, it can be respondents' responses to the
concluded that the hypotheses of this questionnaire statements. This research
research indicate that the utilization of e- employs the Likert scale.
wallets exerts a positive and significant 3.2 Data analysis technique
influence on customer behavior This inquiry employs the
(Hypothesis 1/H1), furthermore, self- Structural Equation Model utilizing the
control substantially moderates the Partial Least Squares (PLS-SEM) strategy
impact of e-wallet utilization on for data analysis. The data analysis for
consumer behavior (Hypothesis 2/H2). this study was performed with Moderator
Regression Analysis (MRA) and
3. RESEARCH METHODS SmartPLS 3.2.9. The models used are as
3.1 Types of research follows:
This research employs an
explanatory quantitative methodology. Ŷ= 0+ 1 1 + 2 M+ 3(X1M) + d
Explanatory quantitative research
prioritizes the breadth of data collection Where:
over the depth of analysis, aiming to Y : Consumptive Behavior
gather extensive data from a diverse 0 : Constant
population [16]. The data source utilized β1 : Regression coefficient for e-

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The Eastasouth Management and Business (ESMB)  69

wallet usage second order models. The measurement

β2 : Coefficient of self-control employing the embedded two-stage
moderating variable approach is conducted in two phases: the
β3 : Regression coefficient from initial phase, which emphasizes the
the interaction of X1 and M correlation between indicators and
X1 : Use of e-wallet measurement items, and the subsequent
M : Self control phase, which concentrates on the
d : Error term relationship between variables and their
indicators, estimated using the latent
Because the measurement model value derived from the output of the first
in this research is second order reflective- phase.
reflective, namely conditions where
variables (reflective) are reflected by 4. RESULTS AND DISCUSSION
indicators (reflective) compiled from 4.1 Results
several statements (measurement items), a. Model Evaluation
the approach and method used to In the first stage, data is
measure it is an embedded two-stage entered into indicators and variables
approach. This approach is a refinement to form a model repeated indicator as
of the second order repeated indicator follows.
method and is recommended for use in

Figure 1. Repeated Indicator

Source: SmartPLS data processing results

At this stage, the focus of Based on testing via SmartPLS, it was

analysis is on the relationship discovered that question items
between statement items and each M1.2.1, M1.2.2, and M1.4.2 had
indicator. So, if an item has a loading loading factor values below 0.70 so
factor value below 0.70, it means it they had to be dropped out. Then,
must be excluded or dropped out. after the three items were deleted, the
Apart from that, Average Variance loading factor value of each statement
Extracted (AVE) and Composite item was above 0.70, the AVE value
Reliability also need to be looked at. was > 0.5, and Composite reliability

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was > 0.70, which means that the PLS Algorithm page is copied and
statement item was valid and reliable saved into new data which is then
in reflecting each indicator in the reprocessed in SmartPLS for the
research. second stage with the following
After the first stage is carried model:
out, the latent variable output on the

Figure 2. Second Stage Structural Model

Source: SmartPLS data processing results

In the second stage, the focus reflecting the variable so it must be

of testing is on the relationship excluded.
between indicators and their b. Measurement Model Testing (Outer
variables and the relationships Model)
between variables. So, at that stage, 1. Validity test
outer model, inner model and Convergent validity can
hypothesis testing were carried out. be calculated based on the outer
Just like the first stage, the loading loading value. If the outer loading
factor value of each indicator whose resulting from each indicator is
value is below 0.70 must be excluded. greater than 0.70, then the
At this stage, the indicator of indicator is said to be valid in
intention to save has a loading factor reflecting each variable in the
value (0.484 < 0.70), which means that research.
the indicator has a low correlation in

Table 1. Outer Loading

Use of E- Consumptive
Variable Self control Note.
Wallets behaviour
Perceived Security 0.863 Valid
Trust 0.788 Valid
Intention to Use 0.764 Valid

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The Eastasouth Management and Business (ESMB)  71

Ease of Use 0.742 Valid

Perceived Usefulness 0.705 Valid
Impulsive Buying 0.915 Valid
Wasteful Buying 0.938 Valid
Non-Rational Buying 0.879 Valid
Savings Initiative 0.887 Valid
Financial planning 0.919 Valid
Avoid Non-Essential Purchases 0.908 Valid
Source: Primary Data, processed

The indicators in this variable demonstrates

study meet the criterion for discriminant validity when the
convergent validity, as cross-loading value of each
demonstrated by each indicator's indicator is greater for the variable
outer loading value on the latent it represents than for the cross-
variable above 0.70 (Table 1). loading values of other variables.
Consequently, cross- The cross-loading values for each
loading values can be employed to indicator of the variable are as
elucidate discriminant validity. A follows.

Table 2. Cross Loading

Self control Use of E-Wallets Consumptive behaviour
Savings Initiative 0.887 0.188 -0.13
Financial planning 0.919 0.311 -0.118
Avoid Non-Essential 0.908 0.238 -0.129
Purchases
Trust 0.238 0.788 0.234
Ease of Use 0.19 0.742 0.126
Perceived Security 0.203 0.863 0.408
Perceived Usefulness 0.265 0.705 0.113
Intention to Use 0.202 0.764 0.249
Impulsive Buying -0.11 0.35 0.915
Wasteful Buying -0.172 0.308 0.938
Non-Rational Buying -0.094 0.284 0.879
Source: Primary Data, processed

Based on table 2, it is use in further research and

known that the cross loading value analysis, so that it meets the
of each research variable indicator criteria for discriminant validity.
is greater for the variable it forms Apart from looking at the
than the cross loading value of cross loading value, discriminant
other variables so that each validity can also be seen through
indicator in the study has a good the Average Variance Extracted
cross loading value in compiling (AVE) value, the Fornell-Larcker
its respective variables and a cross criterion and the Heterostrait-
loading value > 0.5 indicates that Monostrait (HTMT) value.
the variable is suitable or valid for Following are the test results:

Table 3. Average Variance Extracted (AVE)

Variable Average Variance Extracted (AVE) Information
Consumptive behaviour 0.830 Valid
Self control 0.818 Valid
Use of E-Wallets 0.600 Valid

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The Eastasouth Management and Business (ESMB)  72

Source: Primary Data, processed

Based on table 3, it can be variable has a good discriminant

seen that the AVE value of each validity value.
variable is > 0.5 so that each

Table 4. Fornell-Larcker criteria

Self control Use of E-Wallets Consumptive behaviour
Self control 0.905
Use of E-Wallets 0.269 0.774
Consumer Behavior -0.139 0.346 0.911
Source: Primary Data, processed

According to Table 4, the correlation between that construct

square root of the average variance and others, indicating the presence
for each construct exceeds the of discriminant validity.

Table 5. Heterostrait-Monostrait (HTMT)

Self control Use of E-Wallets Consumptive behaviour
Self control
Use of E-Wallets 0.323
Consumptive behaviour 0.154 0.327
Source: Primary Data, processed

Based on table 5, it is consistency of the questionnaire,

known that the HTMT value of serving as an indicator of a
each variable in this study is <0.90, variable or construct. Reliability
so it can be said that the variables testing encompasses two
have met the discriminant validity components. One can examine the
criteria. This means that the Cronbach's Alpha and Composite
variables in the research have Reliability values for each
good consistency and have the indication. A research instrument
ability to differentiate the is considered dependable if
construct from others. Cronbach's Alpha exceeds 0.60
2. Reliability Test and Composite Reliability
Reliability testing is surpasses 0.70.
conducted to assess the

Table 6. Cronbach's Alpha & Composite Reliability Second Stage

Variable Cronbach's Alpha Composite Reliability Information
Consumptive behaviour 0.898 0.936 Reliable
Self control 0.889 0.931 Reliable
Use of E-Wallets 0.848 0.882 Reliable
Source: Primary Data, processed

The Cronbach's Alpha c. Structural Model Testing (Inner

value is greater than 0.60, and the Model)
Composite Reliability for each In testing the structural
variable is greater than 0.70, as model (inner model), the focus of the
indicated by the table above. research is to determine the influence
Consequently, it can be concluded or causal relationship between the
that each variable is highly variables in the research. This
reliable. analysis is measured by the

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The Eastasouth Management and Business (ESMB)  73

coefficient of determination (R- determination value that is close to

Squared or R2) and predictive one indicates that the construct model
relevance (Q2). A coefficient of in this research is getting better.

Table 7. Inner Model Test

R Square R Square Adjusted Q²
Consumptive behaviour 0.138 0.116 0.14
Source: Primary Data, processed

Based on table 7, it is known Apart from the R-Square and

that the R2 value is 0.138 or 13.8%. Q-Square values, in testing the inner
This means that the influence of e- model there is also a Goodness of Fit
wallet use and self-control on test to test the suitability of the model
consumer behavior is 13.8% and the used. This test was carried out using
remaining 86.2% is influenced by the Standardized Root Mean Residual
other variables outside this research (SRMR) value, where a model is said
model. Next is the Q2 analysis which to be feasible if the SRMR value is <
gives a result of 0.140. This value 0.10 and not feasible if the SRMR
means that Q2 > 0 so that the value is > 0.15 (Ghozali & Latan,
exogenous variable has predictive 2015). The following are the results of
relevance for the endogenous the goodness of fit calculation in this
variable, but at low intensity. research:

Table 8. SRMR
Saturated Model Estimated Model
SRMR 0.08 0.08
Source: SmartPLS data processing results, processed

Based on the results of these value exceeds 0.01, and the

calculations, it can be seen that the relationship between latent variables
SRMR value < 0.10, namely 0.08 < 0.10, is considered significant when the
so that the model in this study already path coefficient is set at 0.05.
has good goodness of fit or the model In hypothesis testing, it can
is declared fit. be seen through t-statistic values and
d. Hypothesis testing probability values. The statistical
Using the bootstrapping value with an alpha of 5% means the
procedure pattern, the path t-table value used is 1.96. So the
coefficient test demonstrates the hypothesis is accepted if the t-statistic
extent of the latent construct's value > t-table, namely 1.96 and the p-
influence or relationship. A construct value < 0.05. The following are the
is considered to have a strong results of testing the proposed
relationship when the path coefficient hypothesis:

Table 9. Path Coefficient Output

Original
T-statistic P-values
Sample
Use of E-wallets→Consumptive behaviour 0.409 6,584 0,000
Self-Control X Use of E-wallet→Consumptive behaviour 0.133 1.03 0.198

Source: SmartPLS Data Processing Results

Based on the path coefficient output in the table above, it can be

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seen that for testing the variable E- regarding the variable use of e-wallet
Wallet Use (X) on Consumptive (X) on consumer behavior (Y)
Behavior (Y), a t-statistic value of obtained a t-statistic value of 6,584
6.584 was obtained with a p-value of with a p-value of 0.000 with a
0.000 with a coefficient value of 0.409 coefficient value of 0.409 which
which indicates a positive value. The indicates a positive value. The t-
t-statistic value > t-table 1.96 and p- statistic value > 1.96 and p-value <
value < 0.05 shows that the use of e- 0.05 indicates that the use of e-wallet
wallet has a positive and significant has a positive and significant effect on
effect on consumer behavior. So the consumer behavior. So the first
first hypothesis (H1) which states hypothesis (H1) which states "The use
"The use of e-wallet has a positive and of e-wallet has a positive and
significant effect on people's significant effect on people's
consumer behavior in Mataram City" consumer behavior in Mataram City"
can be accepted. can be accepted.
Then, to test the moderating The results of this research
variable Self-Control (M) on the show that the more a person's use of
relationship between E-Wallet Use e-wallet increases, the more their
and Consumptive Behavior (Y), a t- consumptive behavior increases.
statistic value of 1.030 was obtained These results are in line with previous
with a p-value of 0.198 with a research conducted by (Abidzar et al.,
coefficient value of 0.133 which shows 2023) entitled "The Impact of Digital
a positive value. The t-statistic value < Wallets and Financial Literacy on
t-table 1.96 and p-value > 0.05 Student Spending Behavior in
indicates that self-control is not Surakarta." This study demonstrates
significant in moderating the that the utilization of digital wallets
relationship between e-wallet use and positively and significantly influences
consumer behavior. So the third customer behavior. The results of this
hypothesis (H3) which states "Self- research also support similar research
control significantly moderates the conducted by(Kusuma, 2020;
relationship between e-wallet use and Mujahideen, 2020; Layaman et al.,
people's consumer behavior in 2022;Lestari et al., 2022; Almukhlisah
Mataram City" cannot be accepted. et al., 2023; Hamzah & Laode,
In this research, because the 2023;Oktary & Wardhani, 2023;
moderating variable self-control has a Wawo et al., 2023; Priscilia & Fadjar,
significant effect on the dependent 2024;Pratami, 2022)which states that
variable of consumptive behavior and the more often someone makes
does not significantly moderate transactions using e-wallet, the higher
(strengthen or weaken) the influence the consumer behavior.
of e-wallet use on consumptive People with an age range of
behavior, the moderating variable 17-27 years are part of the Millennial
self-control acts as a moderation Generation (Gen Z) which is also
predictor. Where, the self-control known as "Digital Native". This
variable tends to act as a predictor generation was born alongside
variable in the relationship that is technological developments which
formed. caused them to want something that
4.2 Discussion was fast and practical. The presence
1. The Use of E-Wallet Influences the of e-wallets as a payment method that
Consumptive Behavior of the People focuses on speed, convenience, and is
of Mataram City equipped with security and benefits
Testing in this research such as various promos and discounts

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The Eastasouth Management and Business (ESMB)  75

ultimately encourages those

belonging to the Gen Z group to 5. CONCLUSIONS AND
prefer e-wallets over other payment RECOMMENDATIONS
systems. Payments using e-wallets 5.1 Discussion
trigger wasteful or consumptive 1. The utilization of e-wallets exerts a
behavior because when making positive and substantial influence on
online transactions, psychologically the consumer behavior of individuals
you don't feel like you're spending aged 17-27 in Mataram City. An
money, thus giving rise to an increase in e-wallet utilization among
addiction to repeated shopping.[2]. Mataram City citizens aged 17-27 will
2. Self-Control Does Not Significantly correspondingly elevate their
Moderate the Effect of E-Wallet Use consumptive behavior.
on the Consumptive Behavior of the 2. Self-control insignificantly and
People of Mataram City positively moderates the influence of
Testing the moderating e-wallet use on the consumptive
variable Self-Control (M) on the behavior of the people of Mataram
relationship between E-Wallet Use City aged 17-27 years. This means that
and Consumptive Behavior (Y) the higher the self-control of the
produces a t-statistical value of 1.030 people of Mataram City aged 17-27
with a p-value of 0.198 with a years, the influence of e-wallet use on
coefficient value of 0.133 which consumer behavior will also increase,
indicates a positive value. The t- but not significantly. The Millennial
statistic value < 1.96 and p-value > generation with good self-control will
0.05 indicates that self-control is not likely continue to have consumer
significant in moderating the behavior caused by using e-wallets
relationship between e-wallet use and because they are unable to resist
consumer behavior. So the third short-term temptations. Their
hypothesis (H3) which states "Self- inability to make short-term decisions
control has a positive but insignificant causes self-control failure or what can
influence in moderating the be called Self-Control Failure.
relationship between e-wallet use and 5.2 Suggestion
people's consumer behavior in Based on the research results
Mataram City" cannot be accepted. above, short-term desires greatly
The findings of this research influence a person's self-control failure.
indicate that an individual's self- This causes a person to be prone to
control positively correlates with the consumerist behavior even though they
impact of e-wallet usage on consumer have sufficient self-control. Therefore, to
behavior, albeit not considerably. The avoid short-term temptations such as
Millennial generation with good self- promotions, discounts or other attractive
control will likely continue to have offers, it is recommended for the Ziennial
consumer behavior caused by using Generation (Gen Z) to make a budget plan
e-wallets because they are unable to by setting a maximum monthly or weekly
resist short-term temptations. spending limit, making a shopping list
According to [25] in research entitled before shopping, avoiding the desire to
"Temptation, self-control, and inter- look at e-commerce accounts or so on if
temporal choice", a person will be there is no important need, and discuss
wiser in making decisions related to more often with trusted people such as
the future compared to when making friends or family to get additional
short-term decisions, thus causing a perspectives before shopping.
failure of self-control or what can be It is hoped that further research
called Self- Control Failure. will be able to develop a more complex

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The Eastasouth Management and Business (ESMB)  76

model by adding other factors that are so that it can explain consumer behavior
thought to influence consumer behavior in more depth.

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