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      "abstract": "Penelitian ini memiliki tujuan untuk menguji secara empiris pengaruh pada \r\npenggunaan e-wallet, fitur layanan, frekuensi penggunaan, dan literasi keuangan\r\nterhadap pengelolaan keuangan pribadi mahasiswa. Metode penelitian yang\r\ndigunakan adalah pendekatan kuantitatif dengan teknik survei melalui penyebaran\r\nkuesioner kepada mahasiswa Universitas Amikom Yogyakarta sebagai responden.\r\nData penelitian dianalisis menggunakan uji validitas, uji reliabilitas, uji asumsi\r\nklasik, analisis regresi linier berganda, uji parsial (uji t), uji simultan (uji F), serta\r\nkoefisien determinasi (R²). Hasil penelitian menunjukkan bahwa variabel\r\npenggunaan e-wallet dan fitur layanan tidak memiliki pengaruh yang signifikan\r\nterhadap pengelolaan keuangan pribadi mahasiswa. Sementara itu, frekuensi\r\npenggunaan dan literasi keuangan terbukti memiliki pengaruh positif yang\r\nsignifikan terhadap pengelolaan keuangan pribadi mahasiswa. Secara simultan,\r\npenggunaan e-wallet, fitur layanan, frekuensi penggunaan, dan literasi keuangan\r\nmemiliki pengaruh terhadap pengelolaan keuangan pribadi mahasiswa.",
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