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

Dewi, Nyoman Rhania Apsari and Sasmita, Putu Bunga Amara and Angelia P, Zevanya and Setyawan, Jefri (2025) The Instant Gratification Trap: How QRIS Fuels Consumptive Behavior in Surabaya's Young Consumers. Jurnal Psikologi Teori dan Terapan (JPTT), 16 (2). pp. 105-118. ISSN 2087-1708; e-ISSN 2597-9035

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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 onthe 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

Item Type:	Article
Uncontrolled Keywords:	Consumptive behavior; gen z; QRIS; Surabaya; young consumer
Subjects:	B Philosophy. Psychology. Religion > BF Psychology H Social Sciences > H Social Sciences (General)
Divisions:	Faculty of Psychology > Department of Psychology
Depositing User:	JEFRI SETYAWAN
Date Deposited:	24 Jul 2025 05:02
Last Modified:	24 Jul 2025 05:02
URI:	http://repository.ubaya.ac.id/id/eprint/49115

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