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| Main Authors: | , |
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| Format: | Recurso digital |
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Zenodo
2026
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| Online Access: | https://doi.org/10.5281/zenodo.19683334 |
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Table of Contents:
- <p><span>The increasing integration of digital payment systems and social media platforms has reshaped how individuals manage everyday financial decisions. While these technologies enhance convenience and access, their implications for spending and saving behavior remain a growing concern, particularly among salaried employees. This study investigated the influence of digital payment adoption and social media influence on the financial behavior of 152 government employees, with purchase self-control examined as a mediating mechanism. Financial behavior was conceptualized in terms of wise spending and saving practices among employees in the Province of Bukidnon.</span><span> </span><span><span>Guided by a descriptive-correlational research design, the study gathered data from<span> </span>government employees using a validated survey instrument. Descriptive analysis, regression, and Structural Equation Modeling (SEM) were employed to examine the variables and their relationships. Findings revealed generally high levels of digital payment adoption, social media influence, purchase self-control, and responsible financial behavior. Both digital payment adoption and social media influence were found to significantly affect financial behavior, while purchase self-control partially mediated these relationships. This indicates that although digital platforms influence financial decisions employee’s ability to regulate spending plays an important role in maintaining responsible financial practices.</span></span><span> These results are consistent with the Technology Acceptance Model, Theory of Planned Behavior, Behavioral Life-Cycle Hypothesis, and Social Learning Theory, emphasizing the combined roles of technology use, social influence, and self-regulation in shaping financial behavior. The study highlights the importance of strengthening purchase self-control to promote sustainable financial practices and long-term financial well-being.</span></p>