The Influence of Transportation Costs, Monthly Income, Digital Wallet Use, and Financial Planning on the Frequency of Online Motorcycle Taxi Use

Abstract

This study examines the relationship between transportation costs, monthly income, digital wallet usage, and financial planning and the frequency of online motorcycle taxi use among students in the Management Study Program at Pamulang University. A quantitative approach was employed using purposive sampling. Data were collected through questionnaires distributed to seventh- and eighth-semester students who used online motorcycle taxi services. Of the 255 questionnaires distributed, 150 valid and complete responses were included in the analysis. The data were analyzed using multiple linear regression and hypothesis testing. The findings indicate that transportation costs, monthly income, and financial planning have positive and statistically significant relationships with the frequency of online motorcycle taxi use (p < .001 for each variable). In contrast, digital wallet usage has a positive but statistically insignificant relationship with usage frequency (t = 0.467, p = .641). Simultaneously, the four independent variables are significantly associated with usage frequency (F = 147.496, p < .001), with an R² value of .803, indicating that the model explains 80.3% of the observed variation in usage frequency. These findings highlight the relevance of economic conditions and financial management behavior in understanding students’ use of online motorcycle taxi services, while suggesting that digital wallet usage does not independently demonstrate a statistically significant relationship when the other variables are considered.