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All Journal Jejak digital: Jurnal Ilmiah Multidisiplin
Desak Nyoman Arti
Institut Agama Hindu Negeri Gde Pudja Mataram
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Literasi Keuangan dan Life Style Terhadap Penggunaan Paylater di Kalangan Gen Z Kota Mataram Desak Nyoman Arti; I Gede Bayu Wijaya; I Komang Widya Purnama Yasa
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ty3nwz95

Abstract

Financial literacy and lifestyle are important factors influencing the use of Paylater services among Generation Z. The convenience and flexibility offered by Paylater have increased the adoption of digital financial services; however, low financial literacy and a consumptive lifestyle may lead to irresponsible usage. This study aims to analyze the influence of financial literacy and lifestyle on Paylater usage among Generation Z in Mataram City. A quantitative approach was employed with a sample of 100 respondents selected through purposive sampling. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, and F-tests. The results indicate that financial literacy and lifestyle have a significant effect on Paylater usage, both partially and simultaneously. These findings suggest that improving financial literacy and promoting a responsible lifestyle are essential to encourage wiser use of Paylater services among Generation Z.
Co-Authors I Gede Bayu Wijaya I Komang Widya Purnama Yasa