“…Based on the description above, the research in this paper was carried out by referring to Yang, et al (2021) [28], Mondego and Gide (2020) [30], and Khatimah et al (2019) [33], although their research did not specifically analyze the factors that influence financial literacy, practicality, and consumer lifestyle on the use of electronic money. Therefore, this paper intends to analyze the effect of financial literacy, practicality, and consumer lifestyle on the use of chip-based electronic money.…”