Objectives: This study aims to investigate the effect of the QRIS payment system and the level of financial literacy on consumer behavior among students in Depok City.
Methodology: The research method applied is quantitative with primary data collection through online questionnaires distributed using Google Forms, involving 125 students from the Accounting Department of the Jakarta State Polytechnic who live in Depok City. The collected data has been verified to ensure its validity and reliability, and analyzed using SPSS 29 statistical software,
Finding: The results of the study show that both the QRIS payment system and financial literacy have a positive and significant effect on consumer behavior of students in Depok City. These variables can explain about 49.6% of the variation in observed consumer behavior, while the remainder, about 50.4%, is assumed to be influenced by other factors not included in this research model. Consumers with higher financial literacy tend to make better financial decisions
Conclusion: This research suggest that business actors provide QRIS facilities for financial transactions, especially among students. For optimal results, financial literacy strengthening activities must also be carried out.

American Marketing Association. (2024). Consumer Behavior. American Marketing Association. https://www.ama.org/topics/consumer-behavior/

Asni, A., Wangi, N. M., & Aini, N. (2021). The effect of self management on consumptive behavior in students. Jurnal Konseling Dan Pendidikan, 9(1), Article 1. https://doi.org/10.29210/152100

Auliya, P. N., & Arransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS), 4(3), 885–892. https://doi.org/10.47065/ekuitas.v4i3.2808

Bank Indonesia. (2019). QRIS, Satu QR Code untuk Semua Pembayaran. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/SP_216219.aspx

Basmantra, I. N., Paranegara, A. A. N. Y. V., & Candra, S. (2024). The Role of E-Wallet Use and Financial Literacy on Consumptive Behavior in Indonesia. Dalam B. Alareeni & A. Hamdan (Ed.), Technology and Business Model Innovation: Challenges and Opportunities (Vol. 923, hlm. 346–356). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-55911-2_33

Gunawan, A. (2023). Financial Literacy and Use of Financial Technology Payment for Consumptive Behavior. International Journal of Business Economics (IJBE), 4(2), Article 2. https://doi.org/10.30596/ijbe.v4i2.14233

Hardini, R., Iffa Nurani, M., Larasayu, F., & Permana, E. (2023). Strategi pemasaran bisnis kuliner menggunakan influencer di media sosial instagram pasca pandemi. Jurnal Riset Pendidikan Ekonomi, 8(2). https://doi.org/10.21067/jrpe.v8i2.8718

Kompas Cyber Media. (2023, Januari 6). Fenomena QRIS, Digital Payment Dikuasai Pemain Nasional. KOMPAS.com. https://money.kompas.com/read/2023/01/06/113600226/fenomena-qris-digital-payment-dikuasai-pemain-nasional

Marbun, A. N., Nasution, Y. S. J., & Harahap, I. (2023). Analisis Penggunaan Sistem Pembayaran QRIS terhadap Perkembangan Bisnis UMKM melalui Kepuasan Nasabah sebagai Variabel Intervening (Studi Kasus Bank Syariah Indonesia (BSI) Kc Sibolga). Jurnal Hukum Islam dan Humaniora, 2(2), 361–372. https://doi.org/10.58578/ahkam.v2i2.1198

Magelo, M., Sinaga, T., & Permana, E. (2023). Analisis pemanfaatan shopee paylater sebagai alat pinjaman online di era pasca pandemic covid-19. Jurnal Riset Pendidikan Ekonomi, 8(2). https://doi.org/10.21067/jrpe.v8i2.8697

Nuratika, O., Mukhtar, S., & Wiralaga, H. K. (2022). The Effect Of Using Digital Wallets And Financial Literacy On Consumptive Behavior Of Students In Dki Jakarta. Jurnal Pendidikan Ekonomi, Perkantoran, Dan Akuntansi, 3(3), Article 3.

Otoritas Jasa Keuangan. (2022). Infografis Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022. https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx

Pengaruh Digital Payment QRIS Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Telkom (Studi Kasus Pada Pujasera TEL-U) | Cakrawala Repositori IMWI. (2023). https://journal.imwi.ac.id/index.php/cakrawala/article/view/330

Permana, E., Santoso, R., Murdani, & Purwoko, B. (2022). Building Culinary Business Performance during the Covid-19 Pandemic: Transformational Leadership as a Trigger through Digital Capabilities. Journal of Culinary Science and Technology. https://doi.org/10.1080/15428052.2022.2040679

Permana, E., & Herlan, H. (2022). Strategi Pengembangan Bisnis Ukm Di Sentra Ukm Fashion Bulak Timur, Kota Depok. Jurnal Manajemen Dan Keuangan, 11(1). https://doi.org/10.33059/jmk.v11i1.4368

Permana., P. N. R. J. E. (2021). EFEKTIFITAS PENGGUNAAN E-WALLET DIKALANGAN MAHASISWA DALAM PROSES MENENTUKAN KEPUTUSAN PEMBELIAN. Journal of Economic, Management and Accounting, 4(2), 128–138.

Rachbini, W., Soeharso, S. Y., Wulandjani, H., Evi, T., Permana, E., & Suyanto, S. (2023). Exploring Frugal Buying, Social Influence, and App Behavior in Online Food Shopping in Indonesia. MIX: JURNAL ILMIAH MANAJEMEN, 13(3). https://doi.org/10.22441/jurnal_mix.2023.v13i3.007

Rama, H. (2023). Transaksi QRIS di Kota Depok Duduki Posisi ke-4 se-Jawa Barat, Capai 22,4 Juta Kali Sepanjang 2023. https://wartakota.tribunnews.com/2023/11/29/transaksi-qris-di-kota-depok-duduki-posisi-ke-4-se-jawa-barat-capai-224-juta-kali-sepanjang-2023

Tonda, F., Muh. Radittya Hanif F, & Tuhu Setya Ning Tyas. (2022). Literature Review Determinasi Perilaku Konsumen: Kebudayaan, Sosial, dan Pribadi. Jurnal Manajemen Pendidikan dan Ilmu Sosial, 3(2), 509–519. https://doi.org/10.38035/jmpis.v3i2.1114