Pengaruh Intensitas Penggunaan Layanan Mobile Payment terhadap Spending Behavior

Mobile Payment is a payment instrument that uses digital devices which is one of the business innovations. Technological developments, especially in the financial sector, tend to lead the consumer behavior become control by their expenditure. This study aims to prove the effect of Perceived Ease of Use, Perceived Usefulness, Perceived Credibility, and Social Influence on Spending Behavior through behavioral intention using mobile payment services as a mediating variable. Respondents in this study are millennials who live in Surabaya. The type of research used is associative and the type of research is primary data. Data is collected through distributing questionnaires through Google Form. The collected data were analyzed using the Partial Least Square method using the SmartPLS software. The findings in this study indicate that changes in respondents spending behavior in Surabaya were influenced by intensity of the use of mobile payment services. Mobile payment services users need to always control the use of mobile payments in order to avoid overspending problems which can result in a loss of opportunity for investment for the future. Limitation of this study is that respondents involved only from millennial generation. For further research can add variables that affect the usage of mobile payment use and add respondents from another generation.