Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
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All Journal ECOBIZTECH: Journal of Economics, Business, and Technology
Tri Ardi Yanto
Universitas Muhammadiyah Muara Bungo, Jambi, Indonesia

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Beyond convenience: a systematic literature review of buy now pay later adoption among generation z Tri Ardi Yanto; Vivi Yosefri Yanti
ECOBIZTECH: Journal of Economics, Business, and Technology Vol. 1 No. 2 (2026): ECOBIZTECH: Journal of Economics, Business, and Technology - September
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/ecobiztech.v1i2.121

Abstract

Purpose: to systematically identify, evaluate, and synthesize the determinants influencing buy now pay later (BNPL) adoption among generation z by integrating technological, behavioral, psychological, and financial perspectives. Method: uses a systematic literature review (SLR) approach following the PRISMA framework to analyze 120 articles published between 2022 and 2026. The literature was synthesized using qualitative thematic analysis to identify determinants of BNPL adoption among generation z. Findings: BNPL adoption among generation z is driven by technological factors, including perceived usefulness, perceived ease of use, and trust, as well as behavioral and financial factors such as financial literacy, self-control, and consumption behavior. The findings highlight that BNPL usage has evolved from a technology adoption issue into a broader financial behavior phenomenon. Implications: to a broader understanding of BNPL adoption by integrating technological and financial behavior perspectives. The findings provide insights for fintech providers, educators, and policymakers to encourage responsible BNPL use among generation z. Originality: lies in integrating technology adoption, financial literacy, and consumer behavior perspectives to develop a comprehensive understanding of BNPL adoption among generation z through a systematic literature review approach.
Co-Authors Vivi Yosefri Yanti