Paradoks Kenyamanan dan Erosi Pain of Paying Dalam Transaksi Digital: Studi Fenomenologi pada Mahasiswa Akuntansi Universitas Tadulako
DOI:
https://doi.org/10.37481/sjr.v9i4.1590Keywords:
Phenomenology, QRIS, Pain of Paying, Personal Financial Management, Accounting StudentsAbstract
The introduction of QRIS (Quick Response Code Indonesian Standard) has revolutionized the way students interact with money, transforming transactional activities into a digital experience that is virtually seamless. This study aims to explore the lived experiences of accounting students at Tadulako University in adopting QRIS, while also capturing the psychological and behavioral effects that emerge in their personal financial management. Using a transcendental phenomenological approach, the essence of these experiences was explored through in-depth interviews with six accounting students. Data was carefully analyzed through the stages of epoché, horizontalization, and the construction of textual and structural descriptions to uncover the deepest meaning of the phenomenon. This study identified three main narratives: (1) Ease of use is not merely a matter of technical efficiency, but rather a multifaceted value that is highly dependent on the students’ daily contexts; (2) The emergence of the “convenience paradox,” in which digital convenience actually fuels consumerist behavior due to the diminishing “pain of paying”; and (3) the gap between knowledge and action. Students’ financial literacy does not automatically serve as a bulwark of self-control in an instant-gratification digital ecosystem. This study also reveals students’ adaptive side when they utilize their digital transaction history as a mirror of accountability to track their finances independently. These findings underscore the need for accounting education to begin addressing aspects of behavior and self-regulation, rather than merely transferring technical knowledge, in order to prepare students to face the psychological complexities of the fintech era.
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