Self-Control as a Mediating Variable in the Effect of Electronic Money Usage, Lifestyle, and Conformity on the Consumptive Behavior of Generation Z in Depok City

Abstract

This study aims to determine the influence of electronic money usage, lifestyle, and conformity on consumptive behavior through self-control among Generation Z in Depok City. It also examines the role of conformity in shaping consumption behavior among Generation Z, who tend to follow trends within their peer groups. This study employs a quantitative approach involving 189 respondents aged 17–27 years selected through non-probability sampling using a purposive sampling technique. Data were analyzed using SmartPLS 4.0. The results indicate that conformity and self-control have a positive effect on consumptive behavior, while electronic money usage and lifestyle do not have a significant direct effect on consumptive behavior. Furthermore, electronic money usage, lifestyle, and conformity positively influence self-control. Self-control is found to mediate the relationship between electronic money usage and conformity on consumptive behavior, but it does not mediate the influence of lifestyle on consumptive behavior.