The Impact of Digital Literacy on the Use of Cashless Transactions among Generation Z
DOI:
https://doi.org/10.37812/josse.v4i2.2176Keywords:
Cashless, Literasi Digital,, Generasi ZAbstract
The development of digital technology has driven significant changes in financial transaction systems, one of which is the implementation of cashless transactions. This study aims to determine the impact of digital literacy on the use of cashless transactions among Generation Z in daily economic activities. Using a descriptive qualitative method, data were collected through observation, online questionnaires distributed to students at UIN Jusila, and documentation studies. The results show that students have varying levels of understanding and usage of cashless transactions. The most widely used payment tools are ATMs, mobile banking, and e-wallets such as OVO, GoPay, ShopeePay, and DANA, although some students still rely on cash for daily transactions. Digital literacy has not yet become the primary driver for using cashless systems; rather, cashless usage among students tends to be extravagant when using e-wallets, leading to shopping behavior without considering the consequences, or impulsive buying. This study recommends the importance of digital and financial literacy education for students to enhance a wiser and more responsible use of cashless systems in facing the digital economy.
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