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All Journal Ulumuddin : Jurnal Ilmu-ilmu Keislaman
Afdawaiza Afdawaiza
Sunan Kalijaga State Islamic University Yogyakarta Indonesia
Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Fiqh Muamalah Analysis of Paylater Systems: Behavioral Control, Impulse Buying, and Sharia Compliance Najma Taralia Farah; Afdawaiza Afdawaiza; Ahmad Sarjon Razik; Abdullah Ali Al Makky; Dind Ibra Benign Sajid
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 16 No 1 (2026): (In Progress)
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v16i1.3612

Abstract

The rise of paylater as a dominant payment feature in Indonesian e-commerce and e-wallet platforms has triggered notable shifts in how consumers make purchase decisions. This study explores, through a qualitative literature approach, how paylater weakens behavioral control particularly perceived behavioral control within the Theory of Planned Behavior and accelerates impulse buying tendencies. When payment friction is reduced to a single tap, the psychological cost of spending diminishes, making unplanned purchases feel deceptively rational. Findings further indicate that impulse buying, when paired with satisfying post-purchase experiences, mediates repurchase intention. However, this cycle is fragile post-purchase regret can just as easily sever platform loyalty. From an Islamic economic lens, paylater raises unresolved concerns regarding transparency, interest-like penalties, and the promotion of israf. The study concludes that the behavioral consequences of financial technology design deserve more critical attention.
Co-Authors Abdullah Ali Al Makky Ahmad Sarjon Razik Dind Ibra Benign Sajid Najma Taralia Farah