This study aims to find out what factors determine student decisions to use digital wallets. This study uses a qualitative approach to identify variables and a quantitative to classify variables into factors. This study took students studying in Indonesia as a sample, and 11 students underwent interviews and 309 students who became questionnaire respondents. After conducting the interview, 36 variables appear. Only 18 variables meet the value of communalities for further analysis to determine the factors determining the decision using the Exploratory Factor Analysis technique. The results of this study found that six factors determine the decision to use digital wallets by students, namely Primary Needs, Utilities Spending, Convenience, Education, E-Commerce, and Behavioral Shifting. The factor that most influences students' decisions to use digital wallets is the Primary Needs.   Keywords : Behavioral Shifting, College Student, Convenience, Digital Wallets, E-Commerce, Education, Primary Needs, Utilities Spending

The study aims to determine the determinants factors on T-shirt purchasing decision for the local brand.  The sampling technique used purposive sampling with a total of 310 respondents proportionally male and female each of 155 respondents.  Analysis data used exploratory factor analysis technique with Principal component analysis method. Regarding BEKRAF data of the creative economy that has not been spread evenly and supported by the number of Indonesians aged 15-24 years as the target consumers of local brand t-shirts, the objective of this study is to determine the determinant factors of generation Z purchase decision for local brand T-shirts.  This study found six determinant factors.  They are the trend, digital channel, social media influencer, brand originality, simplicity, and motif.  The trend factor has the highest eigenvalues. Independent T-test indicates a different perception between males and females in the decision to buy the local brand t-shirt

This study aims to find out what factors determine student decisions to use digital wallets. This study uses a qualitative approach to identify variables and a quantitative to classify variables into factors. This study took students studying in Indonesia as a sample, and 11 students underwent interviews and 309 students who became questionnaire respondents. After conducting the interview, 36 variables appear. Only 18 variables meet the value of communalities for further analysis to determine the factors determining the decision using the Exploratory Factor Analysis technique. The results of this study found that six factors determine the decision to use digital wallets by students, namely Primary Needs, Utilities Spending, Convenience, Education, E-Commerce, and Behavioral Shifting. The factor that most influences students' decisions to use digital wallets is the Primary Needs.   Keywords : Behavioral Shifting, College Student, Convenience, Digital Wallets, E-Commerce, Education, Primary Needs, Utilities Spending