<mets:mets OBJID="eprint_3402" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-06-03T21:53:38Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>University of Merdeka Malang Repository</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_3402_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>The Effect of Personality Traits on Financial Behavior and the Use of E-Wallet as Intervening Variable</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Seprido</mods:namePart><mods:namePart type="family">Wicaksono</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Edi</mods:namePart><mods:namePart type="family">Subiyantoro</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Diana</mods:namePart><mods:namePart type="family">Zuhroh</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Sri</mods:namePart><mods:namePart type="family">Werdiningsih</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Citra</mods:namePart><mods:namePart type="family">Sarasmitha</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>This study aims to examine the effect of personality on financial behavior through the use of an e-wallet. The dependent variable of the study is financial behavior, the independent variable is personality, and the intervening variable is the use of e-wallets. Sampling using convenience sampling method, the respondents used were 78. They were e-wallet users in Malang City and have worked for more than one year in the same job. The data collection technique used a questionnaire with a Likert scale, ranging from 1 = strongly disagree to 5 = strongly agree. Data analysis using Structural Equation Model (SEM). The results showed that personality did not affect the use of e-wallets. While personality affects financial behavior and the use of e-wallets harms financial behavior. Personality has no effect on financial behavior through the use of an e-wallet. Thus, this study concludes that e-wallet users understand the function and use e-wallets as a substitute for cash. In addition, personality does have a direct effect on behavior directly, but if it is indirectly seen through the use of an e-wallet, it does not affect financial behavior.</mods:abstract><mods:classification authority="lcc">HG Finance</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8601">2022-11</mods:dateIssued></mods:originInfo><mods:genre>Conference or Workshop Item</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_3402"><mets:rightsMD ID="rights_eprint_3402_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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