Pengaruh Pengetahuan Keuangan dan Penggunaan E-Wallet terhadap Perilaku Keuangan di Era Cashless Society: A Systematic Literature Review

Isti Choiril Mala

doi:10.61132/keat.v3i3.2513

Authors

Isti Choiril Mala Universitas Pembangunan Nasional "Veteran" Jawa Timur

DOI:

https://doi.org/10.61132/keat.v3i3.2513

Keywords:

Cashless Society, E-Wallet, Financial Behavior, Financial Knowledge, Systematic Literature Review

Abstract

Driven by the extensive adoption of digital wallets, the swift progression of financial technology has catalyzed a shift from conventional cash usage toward a cashless ecosystem. This migration has altered daily payment habits while accentuating the necessity of financial literacy in cultivating disciplined economic habits. Nevertheless, current empirical literature demonstrates conflicting evidence regarding how financial literacy and digital payment tools shape personal financial conduct. To address these inconsistencies, this study systematically reviews and synthesizes prior empirical research examining these dynamics. Utilizing a Systematic Literature Review (SLR) methodology, 20 peer-reviewed articles published from 2021 to 2026 were rigorously evaluated across their structural characteristics, methodological approaches, sample metrics, and key results. The synthesis reveals that financial knowledge uniformly impacts financial behavior in a positive manner, primarily by strengthening an individual's capacity for budgeting, strategic planning, and rational decision-making. Conversely, digital wallet integration yields divergent outcomes: transaction speed and convenience foster financial efficiency among certain demographics, whereas promotional incentives and frictionless purchasing trigger impulsive consumption in others. Ultimately, financial literacy serves as the primary stabilizing factor for sound financial behavior, whereas the behavioral outcomes of digital wallet usage remain contingent upon individual self-regulation and foundational financial education.

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