<![CDATA[This study aims to analyze the influence of financial literacy, impulsive buying behavior, and lifestyle on Shopee PayLater users’ interest among students at Universitas Mitra Indonesia. This study addresses how financial knowledge and consumption patterns affect the adoption of BNPL services by university students. This study employed a quantitative approach with an associative method. The population consisted of 1,440 students, with 94 respondents selected using Slovin’s formula. Data were collected through questionnaires and analyzed using multiple linear regression analysis with SPSS version 27. Financial literacy negatively and significantly influenced Shopee PayLater interest, while impulsive buying behavior and lifestyle positively and significantly influenced usage interest. All variables significantly affected Shopee PayLater interest. The study concludes that Shopee PayLater usage among students is influenced by a combination of financial awareness, impulsive tendencies, and lifestyle. Responsible financial behavior plays an important role in shaping students’ decisions regarding digital credit services. This study is limited to students at Universitas Mitra Indonesia and examines only three factors affecting Shopee PayLater usage interest, which may limit the generalizability of the findings to other populations and contexts. This study contributes to the understanding of BNPL service adoption among university students by highlighting the relationship between financial literacy, consumer behavior, and digital payment usage. These findings emphasize the importance of improving financial awareness and promoting responsible digital financial behavior.]]>
