tingkat literasi keuangan digital dan pengaruhnya terhadap perilaku konsumtif…

This study aims to analyze the level of digital financial literacy among university students and its influence on consumptive behavior and the use of emoney. The research involved 210 students from the Economics Education Study Program across two universities in Pekanbaru City. A quantitative approach was employed using a survey method, and data were analyzed using Partial Least Squares St…