Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Sains: Jurnal Manajemen dan Bisnis
Defa Febiska
Politeknik Negeri Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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

Found 1 Documents
Search

 1 
Persepsi Risiko dan Perilaku Konsumtif: Implikasinya Terhadap Minat Menggunakan Fitur Paylater Pada Traveloka Defa Febiska; Nuraeni Hadiati Farhani
Sains: Jurnal Manajemen dan Bisnis Vol 18, No 1 (2025)
Publisher : Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jmb.v18i1.36056

Abstract

The development of digital financial technology has introduced innovative payment systems such as Buy Now Pay Later (BNPL), with Traveloka’s TPaylater as one of the emerging services. This study examines how customer risk perception and behavior influence TPaylater usage. SPSS 25 was used for multiple linear regression analysis. A questionnaire was sent to 100 TPaylater users in Greater Jakarta (Jabodetabek). Consumer behavior was measured through impulsive and rational purchasing tendencies, while risk perception was analyzed through five dimensions: financial, performance, privacy, time, and delivery. Consumer behavior, particularly impulsive purchasing, positively impacted user interest in TPaylater, while risk perception did not. These findings suggest that despite awareness of potential risks, consumer tendencies to seek convenience and immediate gratification often override concerns, thereby increasing the likelihood of using such credit-based digital features. Future research is advised to consider additional factors such as financial literacy and social influence, which may further clarify behavioral patterns in digital financial service adoption.
Co-Authors Nuraeni Hadiati Farhani