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All Journal Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Fajar Ridho Saputra
Universitas Bina Bangsa
Economics, Econometrics & Finance

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LITERASI KEUANGAN, KONTROL DIRI, DAN KEMUDAHAN AKSES. PENGARUHNYA TERHADAP PERILAKUPEMBELIAN IMPULSIF PADA GEN Z DI KOTA SERANG DENGAN PENGGUNAAN PAYLATER Fajar Ridho Saputra; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.199

Abstract

This study examines the roles of financial literacy, self-control, and ease of access in explaining impulsive buying among Generation Z users of PayLater in Serang City. A quantitative associative design was applied through a survey of 100 respondents selected using accidental sampling. Data were collected using a five-point Likert questionnaire and analyzed with multiple linear regression after instrument quality and classical assumption testing. The findings indicate that financial literacy does not have a significant effect on impulsive buying. Self-control has a significant negative effect, whereas ease of access has a significant positive effect. Collectively, the three predictors explain a meaningful proportion of variation in impulsive buying behavior. These results suggest that financial knowledge does not automatically translate into prudent consumption when digital credit is highly accessible. Behavioral financial education, stronger self-regulation, transparent service information, and responsible interface design are therefore necessary to reduce unplanned purchases and encourage safer PayLater use among young consumers.
Co-Authors Pramudi Harsono Surti Zahra