The Instant Gratification Trap: How QRIS Fuels Consumptive Behavior in Surabaya's Young Consumers

Nyoman Rhania Apsari Dewi; Putu Bunga Amara Sasmita; Zevanya Angelia P; Jefri Setyawan

doi:10.26740/jptt.v16n02.p105-118

Authors

Nyoman Rhania Apsari Dewi Faculty of Psychology, Surabaya University
Putu Bunga Amara Sasmita Faculty of Psychology, Surabaya University
Zevanya Angelia P Faculty of Psychology, Surabaya University
Jefri Setyawan Faculty of Psychology, Surabaya University

DOI:

https://doi.org/10.26740/jptt.v16n02.p105-118

Keywords:

Consumptive behavior, gen z, QRIS, Surabaya, young consumer

Abstract

Background: This study explores the impact of QRIS (Quick Response Code Indonesian Standard) on consumptive behavior among Gen Z in Surabaya, Indonesia. Objective: The research examines how QRIS influences impulsive purchasing decisions and self-control, focusing on the psychological drivers behind spending habits. Method: The study employed a qualitative approach with a realist paradigm; the researchers collected data through open-ended questionnaires, Focus Group Discussions (FGD), and in-depth interviews with 24 respondents, aged 19 to 23 years, who regularly use QRIS. Thematic analysis revealed that QRIS facilitates impulsive buying due to its ease of use, reducing the psychological spending barriers. Social influence and external factors, such as promotions and trends, drive consumptive behavior. A unique finding is the decisive role of peer behavior in shaping QRIS usage. Conclusion: The study suggests that improving financial literacy and self-control is essential to mitigate impulsive spending among Gen Z. Further research could focus on strategies to enhance financial literacy and self-control in digital payment.

Abstrak

Latar belakang: Penelitian ini mengeksplorasi dampak QRIS (Quick Response Code Indonesian Standard) terhadap perilaku konsumtif di kalangan Gen Z di Surabaya, Indonesia. Tujuan: Penelitian ini menggali bagaimana QRIS memengaruhi keputusan pembelian impulsif dan pengendalian diri, dengan fokus pada pendorong psikologis di balik kebiasaan belanja . Metode: Penelitian ini menggunakan pendekatan kualitatif dengan paradigma realis; peneliti mengumpulkan data melalui kuesioner terbuka, Focus Group Discussion (FGD), dan wawancara mendalam dengan 24 responden, berusia 19 hingga 23 tahun, yang secara teratur menggunakan QRIS. Analisis tematik mengungkapkan bahwa QRIS memfasilitasi pembelian impulsif karena kemudahan penggunaannya, sehingga mengurangi hambatan psikologis dalam berbelanja. Pengaruh sosial dan faktor eksternal, seperti promosi dan tren, mendorong perilaku konsumtif. Penggunaan QRIS dipengaruhi oleh bagaimana teman sebaya atau orang-orang di sekitarnya menggunakannya juga. Kesimpulan: Studi ini menunjukkan bahwa meningkatkan literasi keuangan dan pengendalian diri sangat penting untuk mengurangi pengeluaran impulsif di kalangan Gen Z. Penelitian lebih lanjut dapat berfokus pada strategi untuk meningkatkan literasi keuangan dan pengendalian diri dalam pembayaran digital.

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