SpendingBehavior as an Impact of Lifestyle and Financial Literation in the Intensity of use of Mobile Payment Services

This study aims to examine the influence of Lifestyle and Financial Literacy on the intensity of the use of Mobile Payment Services and their impact on Spending Behavior. This study uses a sample of 200 respondents who are mobile payment service users in the Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) regions. This study uses primary data with a questionnaire. The analytical method used to test hypotheses is path analysis. The results showed that the direct influence of Lifestyle and Financial Literacy on Spending Behavior showed significant results. However, the indirect effect for each independent variable is different. Lifestyle shows there is an indirect effect through the Intensity of the Use of Mobile Payment Services while for Financial Literacy there is no indirect effect through the Intensity of the Use of Mobile Payment Services. Keywords:Lifestyle, Financial Literacy, Use, Mobile Payment Services