Wicaksono, Seprido and Subiyantoro, Edi and Zuhroh, Diana and Werdiningsih, Sri and Sarasmitha, Citra (2022) The Effect of Personality Traits on Financial Behavior and the Use of E-Wallet as Intervening Variable. In: 7th ICGSS Sustainable Innovation Legal Policy, Alternative Technology and Green Economy, November 4-5, 2022, Universitas Merdeka Malang.

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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.

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