Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Management Science and Information Technology (IJMSIT)
Cristina Cristina
Institut Teknologi dan Bisnis Sabda Setia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Digital Financial Literacy, Consumptive Behavior, and Behavioral Intention in Using SPayLater in Indonesia Cristina Cristina; Fry Melda Saragih
International Journal of Management Science and Information Technology Vol. 6 No. 1 (2026): January - June 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i1.7026

Abstract

The rapid growth of financial technology (fintech) is reshaping how consumers manage their finances, particularly through e-commerce platforms such as Shopee. Among its innovations, the SPayLater feature has gained wide attention but also raised concerns about impulsive spending and low digital financial literacy among consumers. This study investigates the influence of digital financial literacy and consumptive behavior on consumers’ decisions to use SPayLater, while also testing the mediating role of behavioral intention. A quantitative survey was conducted with 100 SPayLater consumers using a structured questionnaire, and the data were analyzed through multiple linear regression and path analysis. The findings show that both digital financial literacy and consumptive behavior significantly affect consumers’ decisions, whereas behavioral intention does not have a direct effect but partially mediates the relationship between consumptive behavior and usage decisions. These results highlight the importance of strengthening consumers’ digital financial literacy and managing consumptive behavior to encourage wiser and more responsible use of fintech services.
Co-Authors Fry Melda Saragih