The Effect of Trust, Ease of Use, and Security of Digital Payment Transactions on Individual Consumptive Behavior

The rapid development of digital technology in the Industry 4.0 era has significantly transformed the global financial system, particularly in the domain of payment mechanisms. Traditional cash based transactions are increasingly being replaced by digital payment systems. This study aims to analyze the effect of trust, ease of use, and security of digital payment transactions on individual consumptive behavior in the era of cashless society with digital savvy and Islamic financial literacy as moderating variables. The research method uses a quantitative approach with PLS-SEM analysis techniques on 155 respondents in the Special Region of Yogyakarta. The results show that trust, convenience, and security significantly influence consumptive behavior. Digital savvy does not play a role as a moderating variable, while Islamic financial literacy is able to moderate the influence of trust and convenience but not significantly on security. These findings emphasize the importance of Islamic financial literacy in controlling consumptive behavior amid the rapid use of digital payments.