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All Journal JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Indri Tusgiyanti Nuraini
Universitas Bina Sarana Informatika
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN DAN PERSEPSI KEMUDAHAN TERHADAP PERILAKU KONSUMTIF PENGGUNA LAYANAN FINTECH SHOPEE PAYLATER Indri Tusgiyanti Nuraini; Eka Dyah Setyaningsih; Refany Novia Siboro
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 3 No. 3 (2026): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v3i3.12410

Abstract

This study aims to analyze the effect of financial literacy and perceived ease of use on the consumptive behavior of Shopee PayLater fintech service users among Generation Z in East Jakarta. This study employed a quantitative causal associative approach, with primary data collected through questionnaires distributed to 100 respondents selected using purposive sampling. Data analysis was conducted using multiple linear regression with the assistance of IBM SPSS Statistics 25. The results indicate that financial literacy and perceived ease of use, both partially and simultaneously, have a positive and significant effect on consumptive behavior. The Adjusted R Square value of 0.545 indicates that 54.5% of the variation in consumptive behavior can be explained by these two variables. This study concludes that the convenience offered by Shopee PayLater services may encourage consumptive behavior among Generation Z, even when accompanied by financial literacy understanding.
Co-Authors Eka Dyah Setyaningsih Refany Novia Siboro