Do Fintech Payments, Online Shopping Apps, and Fear of Missing Out Drive Consumptive Behavior? Evidence from Accounting Undergraduate Students

Abstrak

This study aims to examine the influence of using fintech mobile payment, online shopping applications, and Fear of Missing Out (FOMO) on the consumptive behavior of students in the Undergraduate Accounting Study Program at Tadulako University, Palu, Central Sulawesi. An explanatory quantitative approach with a cross-sectional survey design was applied, with data collected from 272 respondents selected through proportionate stratified random sampling from a population of 842 active students. A structured questionnaire instrument with a five point Likert scale was distributed via Google Form. Multiple linear regression analysis using SPSS version 29 was conducted after testing classical assumptions. The results showed that: (1) the use of fintech mobile payment has a positive and significant effect on consumptive behavior (β = 0.149; sig. = 0.036); (2) the use of online shopping applications has a positive and significant effect (β = 0.274; sig. < 0.001); (3) FOMO has a positive and significant effect as the strongest predictor (β = 0.468; sig. < 0.001); and (4) the three variables simultaneously explain 53.7% of the variation in consumptive behavior (R² = 0.537). Based on the Stimulus-Organism-Response (S-O-R) theory, this study makes a scientific contribution by integrating digital payment technology, e-commerce platforms, and FOMO into a single research model applied in the context of a regional university in Indonesia.