The Effect of Financial Technology and Self-Control on Impulsive Buying
The Moderating Role of Income
DOI:
https://doi.org/10.35129/simak.v23i01.623Keywords:
Financial Technology, Self-Control, Impulsive Buying, IncomeAbstract
This research seeks to examine the influence of financial technology usage and self-control on impulsive buying behavior, with income serving as a moderating variable. A quantitative approach with an explanatory method is employed in this study. A sample of 96 respondents was obtained through accidental sampling technique, namely Belikopi consumers in Sidoarjo who actively use fintech services in transactions. The data obtained was analysed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0 software. The results showed that the use of financial technology has a positive and significant effect on impulsive buying. In contrast, self-control does not have a significant effect on this behaviour. Moreover, income has been found to moderate and diminish the impact of financial technology on impulsive buying behavior. In contrast, income strengthens the effect of self-control on impulsive buying. This finding implies that income plays an important role in weakening or strengthening technological and psychological influences on impulsive consumption behaviour.
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References
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Journal Article:
Abrantes-Braga, F. D. M. A., & Veludo-de-Oliveira, T. (2020). Help me, I can’t afford it! Antecedents and consequence of risky indebtedness behaviour. European Journal of Marketing, 54(9), 2223–2244. https://doi.org/10.1108/EJM-06-2019-0455
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Ahmadova, E., & Nabiyeva, A. (2024). Analysis of the impulsive buyer behavior: Empirical evidences from Azerbaijan. Journal of Islamic Marketing, 15(2), 314–337. https://doi.org/10.1108/JIMA-10-2022-0271
Al Mutanafisa, T. (2021). The effect of sales promotion and knowledge on impulsive buying of online platform consumers. Journal of Consumer Sciences E, 6(1). https://doi.org/10.29244/jcs.6.1.77-91
Andreani, F., Anastasia, N., & Foedjiawati, F. (2023). Determinants of online impulsive buying post pandemic COVID-19. Jurnal Teknik Industri, 25(1), 17–30. https://doi.org/10.9744/jti.25.1.17-30
Anifa, M., Ramakrishnan, S., Joghee, S., Kabiraj, S., & Bishnoi, M. M. (2022). Fintech innovations in the financial service industry. Journal of Risk and Financial Management, 15(7), Article 318. https://doi.org/10.3390/jrfm15070318
Ariska Wulandari, T., & Singaperbangsa Karawang, U. (2021). Pengaruh electronic word of mouth dan potongan harga terhadap pembelian impulsif suatu produk skincare. Jurnal Ilmu Manajemen, 9(3), 844–851. https://doi.org/10.26740/jim.v9n3.p844-851
Ariska, S. N., Jusman, J., & Asriany, A. (2023). Pengaruh literasi keuangan, financial teknologi dan gaya hidup hedonisme terhadap perilaku keuangan mahasiswa. Owner, 7(3), 2662–2673. https://doi.org/10.33395/owner.v7i3.1472
Atunnisa’, M., & Firdiansyah, Y. (2022). Pengaruh literasi ekonomi dan kontrol diri terhadap perilaku pembelian impulsif pada mahasiswa. Dinamika Sosial: Jurnal Pendidikan Ilmu Pengetahuan Sosial, 1(3), 279–295.
Aulia, T. N., Suryadi, E., & Safitri, H. (2023). Pengaruh penggunaan e-wallet dan literasi keuangan terhadap perilaku pembelian impulsif. Owner, 7(3), 2010–2020. https://doi.org/10.33395/owner.v7i3.1601
Barbu, C. M., Florea, D. L., Dabija, D. C., & Barbu, M. C. R. (2021). Customer experience in fintech. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1415–1433. https://doi.org/10.3390/jtaer16050080
Bogers, M., Chesbrough, H., & Strand, R. (2020). Sustainable open innovation to address a grand challenge: Lessons from Carlsberg and the Green Fiber Bottle. British Food Journal, 122(5), 1505–1517. https://doi.org/10.1108/BFJ-07-2019-0534
Chen, M., Yang, F., & Choi, Y. (2021). Are credit-based internet consumer finance platforms sustainable? A study on continuous use intention of Chinese users. Sustainability, 13(24), 13629. https://doi.org/10.3390/su132413629
Chen, S., Zhi, K., & Chen, Y. (2022). How active and passive social media use affects impulse buying in Chinese college students? The roles of emotional responses, gender, materialism and self-control. Frontiers in Psychology, 13, Article 1011337. https://doi.org/10.3389/fpsyg.2022.1011337
Cunha, M. A., Rosa, A. A. S., Fernandes, R. B., Fagundes, A. F. A., & Moretti, S. L. A. (2024). Influence of human values on impulse buying behavior: A gender analysis. Revista de Administração Mackenzie, 25(3). https://doi.org/10.1590/1678-6971/eRAMG240288
Czarnecka, B., Schivinski, B., & Keles, S. (2020). How values of individualism and collectivism influence impulsive buying and money budgeting: The mediating role of acculturation to global consumer culture. Journal of Consumer Behaviour, 19(5), 505–522. https://doi.org/10.1002/cb.1833
Filho, E. J. M. A., & Oliveira, R. L. S. (2022). The mood effect in relation to impulsive online buying behavior. Journal of Consumer Behaviour, 22(1), 135–156. https://doi.org/10.1002/cb.2110
Fook, L. A., & McNeill, L. S. (2020). Click to buy: The impact of retail credit on over-consumption in the online environment. Sustainability, 12(18), 7322. https://doi.org/10.3390/su12187322
George, A., & Sunny, P. (2021). Developing a research model for mobile wallet adoption and usage. IIM Kozhikode Society and Management Review, 10(1), 82–98. https://doi.org/10.1177/2277975220965354
Gerrans, P., Baur, D. G., & Lavagna-Slater, S. (2022). Fintech and responsibility: Buy-now-pay-later arrangements. Australian Journal of Management, 47(3), 474–502. https://doi.org/10.1177/03128962211032448
Giyona, R. L., & Utami, S. S. (2024). Pengaruh Modal Usaha, Jam Kerja dan Lama Usaha terhadap Pendapatan UMKM: (Survei pada Pedagang Ikan Asap di Waduk Kedungombo Grobogan Jawa Tengah). OPTIMAL Jurnal Ekonomi dan Manajemen, 4(3), 253-279.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
He, Q., Ma, W., Vatsa, P., & Zheng, H. (2024). Impact of mobile payment adoption on household expenditures and subjective well-being. Review of Development Economics, 28, 264–285. https://doi.org/10.1111/rode.13054
Helmi, A., Oesman, Y., Kaltum, U., & Faisal, Y. (2023). The influence of hedonic values and extraversion on online impulse buying: Empirical evidence from Indonesia. Innovative Marketing, 19(1), 48–58. https://doi.org/10.21511/im.19(1).2023.05
Budiyanto, H. (2024). Studi minat beli di Belikopi Semarang. CiDEA Journal, 3(1), 131–144. https://doi.org/10.56444/cideajournal.v3i1.1864
Huda, N., Indrain, N., Cahyanti, T. W., Asmawati, Y., & Oktaviani, T. (2020). The effect of personality, self-control and financial constraints on financial planning. Journal of Management and Entrepreneurship Research, 1(1), 45–55. https://doi.org/10.34001/jmer.2020.6.01.1-5
Inzlicht, M., Werner, K. M., Briskin, J. L., & Roberts, B. W. (2020). Integrating models of self-regulation. Annual Review of Psychology. https://doi.org/10.1146/annurev-psych-061020-105721
Jalees, T., Khan, S., Zaman, S.I., & Miao, M. (2024). The effect of religiosity, materialism and self-esteem on compulsive and impulsive buying behavior. Journal of Islamic Marketing, 15, 2697–2731. https://doi.org/10.1108/JIMA-03-2022-0078
Kanga, D., Oughton, C., Harris, L., & Murinde, V. (2022). The diffusion of fintech, financial inclusion and income per capita. European Journal of Finance, 28(1), 108–136. https://doi.org/10.1080/1351847X.2021.1945646
Karyatun, S. (2023). Linking subjective financial well-being and compulsive buying behavior among college students: How Islamic financial literacy makes different. SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam, 5(2), 119–134. https://doi.org/10.36407/serambi.v5i2.977
Lavuri, R., Jindal, A., & Akram, U. (2022). How perceived utilitarian and hedonic value influence online impulse shopping in India? Moderating role of perceived trust and perceived risk. International Journal of Quality and Service Sciences, 14(4), 615–634. https://doi.org/10.1108/IJQSS-11-2021-0169
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05/30/2025
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The Effect of Financial Technology and Self-Control on Impulsive Buying: The Moderating Role of Income. (2025). SIMAK, 23(01), 121-137. https://doi.org/10.35129/simak.v23i01.623
