Understanding Adolescent Financial Behavior: The Role of Lifestyle, Self-Control, and Family Socioeconomic Status in E-Money Usage
DOI:
https://doi.org/10.51135/PublicPolicy.v6.i1.p155-172Keywords:
Behavioral Patterns, e-Money, Adolescent ClustersAbstract
This study examines adolescent e-money usage behavior in Ambon, influenced by lifestyle, self-control, and family socioeconomic status. Data from surveys, interviews, and observations were analyzed using cluster and descriptive statistical analysis. Findings show that adolescents are grouped into three behavioral categories: Good, Fair, and Poor. Higher family socioeconomic status increases spending tendencies, while low self-control leads to impulsive transactions driven by promotions and peer influence. Additionally, the more money stored in e-money, the more frequently adolescents spend without financial consideration.
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