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All Journal JURNAL MANAJEMEN MOTIVASI
Affroni, Moh Zaenal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Behavioral Drivers of PayLater (BNPL) Use Intention: Financial FoMO, Cashless Pain of Paying, and Present Bias among Gen Z University Students in Semarang City Affroni, Moh Zaenal; Faza Rusyda; Robetmi Jumpakita Pinem
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8714

Abstract

This study examines the effects of Financial FoMO, Cashless Painlessness, and Present Bias on Buy Now Pay Later (BNPL) use intention among Generation Z university students in Semarang City. Using a quantitative survey of 150 BNPL users, data were analyzed with multiple linear regression in SPSS. The findings reveal that all three variables positively and significantly influence BNPL use intention, both individually and jointly. Cashless Painlessness emerges as the strongest predictor, indicating that less salient payment experiences increase intention. The model explains 65.3% of the variance in BNPL use intention (R² = 0.653).
Co-Authors Faza Rusyda Robetmi Jumpakita Pinem