When Fun Turns Into Hedonism: Boon or Calamity?

Adolescent behaviour is influenced by their surrounding environment and by them being an active agent in shaping their own environment. The ability to adjust to campus environments is associated with certain psychosocial factors, including parental support and peer attachment. The majority of adolescents with moderate and high levels of hedonistic behaviour were found among undergraduate students. It was discovered that millennials explore identity theory more by utilizing all the conveniences of fintech services to achieve their financial goals. The development of fintech in Indonesia continues to advance, one of which is a new breakthrough that has emerged and is widely discussed, named Spaylatter. The purpose of this study was to determine the moderating effect of peer attachment on the hedonistic behaviour of undergraduate students in Jombang. By using a post-positivist approach, the case study is a limited system. In this study, it was found that the pattern of life is influenced by opinion, interest, and activity. It is found that the Credit option is used when it is a situation of urgency, not having funds or facing a financial problem. It also found that hedonistic lifestyle behaviours include buying just for pleasure and being the centre of attention. Based on the results of research and observations, the following conclusions can be drawn: pattern of life is influenced by the opinion of someone who is affected by the program, credit options are used in times of urgency, from this credit option, it can lead to a hedonic lifestyle. 
Keywords: Hedonism, Lifestyle, Fintech, Self-actualization, Online Credit, Pay Later