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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Bisnis Event
Asterina Anggraini
Politeknik Negeri Jakarta
Economics, Econometrics & Finance Social Sciences

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INTEGRATING FINANCIAL LITERACY INTO GEN Z'S PAYLATER CONSUMPTION AND FINANCIAL WELL-BEING: A CONCEPTUAL PAPER Asterina Anggraini; Annisa Wardhani; Nuraeni Hadiati Farhani
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 2 (2026): IJEBAR: Vol. 10, Issue 2, June 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i2.19925

Abstract

This paper discusses how using Buy Now Pay Later (BNPL) affects the financial well-being of Generation Z in Indonesia. This comes at a time when digital financial services are rapidly growing and young consumers are spending more. The study aims to create a framework that explains the connection between PayLater usage, impulsive buying, financial literacy, and financial well-being. It uses a conceptual and explanatory method, including a thorough review of recent studies on fintech behavior, behavioral finance, and digital consumption trends. The findings show that using PayLater can lead to more impulsive buying. This is due to deferred payment options, the convenience of digital transactions, and strong online promotions. These factors may harm financial well-being by increasing stress, leading to high digital debt, weak spending habits, and reduced saving ability. However, financial literacy is seen as a protective factor. It can help lessen the negative impact of PayLater by promoting smarter financial choices and better money management among Generation Z. This paper adds to the understanding of fintech and behavioral finance in the context of Indonesia’s digital economy.
Exploring the Dynamics of Price Competitiveness and Tourism Openness in Enhancing Bandung City’s Local Revenue Asterina Anggraini; Annisa Wardhani; Meisa Sofia; Nuraeni Hadiati Farhani; Diara Nazifa Rizqi Kamalia
Bisnis Event Vol. 7 No. 26 (2026): Jurnal Bisnis Event
Publisher : Program Studi MICE, Jurusan Administrasi Niaga, Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/bev.v7i26.6856

Abstract

This study analyses the dynamics of the Price Competitiveness Indicator (PCI) and Openness Indicator (OI) in driving Bandung City's Local Own-Source Revenue (PAD) during the 2019-2023 period. A quantitative descriptive method with trend analysis was used to map the changing patterns of these three variables. The results show that PCI has a strong positive correlation with PAD, where a sharp decline in 2020 due to the COVID-19 pandemic was followed by a significant recovery through 2023. In contrast, the contribution of OI to PAD was relatively small and weak, although it showed an increasing trend post-pandemic. The study's conclusion indicates that price competitiveness is the main short-term driver of PAD, while openness is more strategic for long-term growth. The policy implication is the need for a balance between price stabilization strategies and enhancing destination openness.
Co-Authors Annisa Wardhani Diara Nazifa Rizqi Kamalia Meisa Sofia Nuraeni Hadiati Farhani