Exploring Management Students' Experiences with E-Wallets in Daily Financial Management

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Published: 2026-06-30

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Alra Febtriyan
Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Slamet Riyadi Surakarta
Nia Aprilia
Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Slamet Riyadi Surakarta
Dinda Isnaini Rahmawati
Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Slamet Riyadi Surakarta

Abstract





The development of financial technology has encouraged the use of e-wallets as a digital payment method that is increasingly popular among university students. This study aims to explore the experiences of Management students in using e-wallets for their daily financial management. A qualitative approach with a phenomenological method was employed in this research. Data were collected through in-depth interviews with students who actively use e-wallets and analyzed using an interactive analysis model.


The findings show that e-wallets provide convenience in transactions, time efficiency, and help students monitor their expenses through transaction history. However, e-wallet usage may also lead to impulsive spending behavior due to promotional offers such as cashback and discounts. The effectiveness of e-wallets in financial management is strongly influenced by financial literacy and self-control.


 


Keywords: e-wallet, financial management, students, financial technology, phenomenology





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Article Details

Issue

Vol. 9 No. 2 (2026): June

Section

Articles
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This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Exploring Management Students’ Experiences with E-Wallets in Daily Financial Management. (2026). International Journal of Economics Management and Social Science , 9(2), 595-605. https://journal.salewangang.net/ijemss/article/view/142

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