Analysis of Consumptive Behavior in E-Money Users

Payment systems using electronic money (e-money) make it very easy for people to payment transactions. But on the other hand, can also affect lifestyle of various groups in society, because is more effective and makes someone consumptive with all conveniences offered. This study aims determine how behavior E-Money users. uses primary data obtained from respondents' answers. The population this were e-money users Surabaya City a sample 100 respondents. sampling technique used non-probability method which carried out by purposive technique. Data collection an online questionnaire via Google Forms. analysis Partial Least Square (PLS) techniques. shows that there are results significant negative effect financial literacy locus control Meanwhile, has positive behavior.