THE EFFECT OF ONLINE GAME MICROTRANSACTIONS ON FINANCIAL MANAGEMENT (STUDY ON THE "SIWA GANGS" COMMUNITY)

Authors

  • Imelda Dyah Puspita Institut Teknologi dan Bisnis PGRI Dewantara
  • Novita Mardiani Institut Teknologi dan Bisnis PGRI Dewantara

DOI:

https://doi.org/10.36563/c5v0wq42

Keywords:

microtransaction, online games, financial management, behavioral finance

Abstract

The rapid advancement of digital technology has fundamentally transformed consumption patterns, particularly among Generation Z. One of the most prominent manifestations of this transformation is the proliferation of online gaming, accompanied by microtransaction systems that enable players to acquire virtual items using real money. This study examines the influence of online game microtransactions on the financial management practices of members of the 'SIWA GANGS' gaming community. Grounded in Behavioral Finance Theory (Ricciardi & Simon, 2000) and Mental Accounting Theory (Thaler, 1999), this research adopts a quantitative approach with a causal research design. Data were collected from 73 respondents selected through purposive sampling from a population of 270 community members, using a structured Likert-scale questionnaire. The data were analyzed using simple linear regression with SPSS software. The instrument underwent validity testing (Pearson Product Moment Correlation) and reliability testing (Cronbach's Alpha). The study hypothesizes that online game microtransactions exert a significant negative influence on individual financial management, evidenced by reduced saving capacity, weakened expenditure control, and disrupted financial planning. These findings are expected to contribute to the academic discourse on behavioral finance and digital consumption, while providing practical recommendations for game developers, digital payment providers, and policymakers regarding the promotion of responsible financial behavior in the digital ecosystem.

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Published

2026-09-30

Issue

Vol. 5 No. 1 (2026)

Section

Articles

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Copyright (c) 2026 Imelda Dyah Puspita, Novita Mardiani

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How to Cite

THE EFFECT OF ONLINE GAME MICROTRANSACTIONS ON FINANCIAL MANAGEMENT (STUDY ON THE "SIWA GANGS" COMMUNITY). (2026). BEMJ: Business, Entrepreneurship, and Management Journal, 5(1), 8-23. https://doi.org/10.36563/c5v0wq42