The Effect of The Use of Debit Cards and Electronic Money (E-Money) on Public Consumption Expenditures in Pematangsiantar City

This study aims to determine the effect of use debit cards and electronic money (e-money) on public consumption expenditure Pematangsiantar City. The population in this are City people who have (e-money). sampling technique used was purposive technique. number samples is 100 respondents. uses primary data obtained from a questionnaire then analyzed by multiple linear regression. Based results t test (partial), there significant influence between card Furthermore, has community. coefficient determination (Adj R2), value 0.638 (63.8%). shows that variations can be explained money. While remaining 36.2% other factors not included study. because non-cash payments easy psychologically, it easier for anyone spend their cash than cash. indicate consumptive, especially those under 40 years age. There need increased socialization regarding transactions, cannot denied area still some do quite understand aged over.
 Keywords: e-Money; cards;