The Effect of Non-Cash Transactions on The Level of Saving Behaviour of Students at the Open University of Majene

This study aims to examine the impact of Non-Cash Transactions on the saving behavior of students at Majene Open University, in the midst of the rapid development of financial technology that encourages changes in financial transaction practices, although it is not clear to what extent the use of digital transaction services can shape saving behavior among students. This study uses a quantitative approach with an associative method, using a sample of 100 respondents selected through simple random sampling techniques, with data collection through a questionnaire based on the Likert scale which is analyzed using SPSS software version 27 through validity, reliability, classical assumption test, simple linear regression, t-test, F test, and determination coefficient. The results showed that Non-Cash Transactions had a positive and significant influence on students' savings with a significance value of 0.000, a regression coefficient of 0.554, which showed that the increase in the use of digital transactions was accompanied by an increase in saving behavior, and the F test showed that the overall regression model was significant. However, an Adjusted R² value of 0.141 indicates that the Non-Cash Transaction variable only explains 14.1% of the variation in variable saving behaviour, so most of it is influenced by other factors outside of this study. This study concludes that digital transaction technology can play a supporting role in the formation of saving behavior, although its effectiveness still depends on the level of financial literacy and self-control of users.

Non-Cash Transactions, Saving Behavior, UT Majene Students

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