The effect of financial technology, online shopping, and self-control on consumptive behavior

Abstract

Technological    advancements    have    now    been    felt    in    business, particularly  in  financial  services  companies.  The  financial  services industry  innovates  in  financial  services,  namely  building  financial technology.  This  study  aims  to determine  the  influence  of  financial technology,  online  shopping,  and  self-control  on  the  consumptive behavior of Generation Z in Yogyakarta. The sample in this study was 520  respondents  taken  by  sampling  technique  using  non-probability sampling with purposive sampling method. The data obtained is then processed  using  the  Smart  PLS  statistical  tool.  The  results  showed that   online   shopping   had   a   negative   influence   on   consumptive behavior,   while   financial   technology   and   self-control   showed   a positive impact on consumptive behavior.