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All Journal Jurnal Transformatika Jurnal EMT KITA Journal of Economic, Bussines and Accounting (COSTING) Distribusi EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Revenue: Jurnal Manajemen Bisnis Islam Dakwatuna: Jurnal Dakwah dan Komunikasi Islam SOLUSI Jurnal Ilmiah Manajemen Kesatuan Abdimasku : Jurnal Pengabdian Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Economics and Business UBS Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Ilmiah Wahana Pendidikan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomika Manajemen Dan Bisnis Innovative: Journal Of Social Science Research Indo-Fintech Intellectuals: Journal of Economics and Business Journal of Principles Management and Bussines El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Prawitasari, Dian
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Journal : Distribusi

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EKPLORASI CONTINUANCE INTENTION PADA EXPECTATION CONFIRMATION MODEL BERKELANJUTAN PENGGUNA BUY-NOW-PAY-LATER DI KOTA SEMARANG Ningrum, Shintia Nabila; Kusuma, Pradana Jati; Safitri, Maria; Prawitasari, Dian
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.693

Abstract

This study examines the effects of financial literacy, perceived usefulness, and perceived risk on continuance intention in the use of PayLater services by considering satisfaction as a mediating variable and confirmation as a moderating variable among PayLater users in Semarang City, within the framework of the Expectation Confirmation Theory (ECT) and Technology Acceptance Model (TAM). This research adopts a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 156 active Buy Now Pay Later (BNPL) users in Semarang City using purposive sampling and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that financial literacy has a significant effect on continuance intention, while perceived usefulness positively affects continuance intention through satisfaction. User satisfaction emerges as the strongest determinant influencing continuance intention, suggesting that actual usage experience plays a more critical role than initial perceptions. In contrast, perceived risk does not have a significant direct effect on continuance intention. These findings imply that user experience and satisfaction are more influential in sustaining BNPL usage than initial cognitive factors. This study provides practical implications for BNPL service providers to prioritize service quality and system usability. Therefore, providers are encouraged to enhance financial literacy education while strengthening service benefits and quality to improve user satisfaction and promote continued usage, particularly among PayLater users in Semarang City.
Co-Authors Agus Prayitno AGUSTINA, SINTA Ahmad, Mubashir Amalia, Rifdah Aminah Rizkia Puspita Sari, Raden Ayu Andika, Arditya Dian Ardya Pandhega, Brian Ariati Anomsari Arta, Insyika Ananda Awanis Linati Haziroh Badiani, Farah Dina Budi Widjajanto Chalisa, Risky Nor Chasanah, Amalia Nur Dian Andika , Arditya Dian Andika, Arditya Diana Puspitasari Duri, Galih Sephiani Rafika Dwi Eko Waluyo Dwi Handayani, Monica Gagas Gayuh Aji, Gagas Gayuh Hallang Lewa, Andi Hariyadi, Guruh Taufan Herry Subagyo Ichwan Setiarso, Ichwan Ida Farida Imam Nuryanto Jaka Prasetya Juli Ratnawati Kamiliya, Chantika Zulfa Karis Widyatmoko Karmila karmila karmila Kasmanto, Ade Early Raka Putra Kusuma, Pradana Jati Kusumaningrum, Lely Kusumaningrum, Lely Kusumaningrum Lewa, Andi Hallang Linati Haziroh, Awanis Made Gede Wirakusuma Maharani, Intan Putri Dwi Masduki, Charis Mertha Agung Durya, Ngurah Pandji Mufidah, Nabila Lutfi Mustikasari, Julia Arum Nabilla, Habibah Yuhrotun Ningrum, Febyana Puspita Ningrum, Shintia Nabila Oktavia, Erni Oktavia, Vicky Oktoriza, Linda Ayu Pandji Mertha Agung Durya, Ngurah Permatasari, Noviana Putri Prihandono, Adi Puspita Sari, Raden Ayu Aminah Rizkia Rachmawati, Syafalia Dewi Rizkia Puspita Sari, Raden Ayu Aminah Rudi Kurniawan Safitri, Maria Salsabila, Denaya Bethary Samasta, Almira Santi Setiarso, Ichwan Setiawan, Aries Setyani, Putri Desti Sjamsul Hidajat, Moch Suharnawi Suharnawi Suhita Whini Setyahuni Suryanti v, Amalia Nur Virgiawan, Mahendra Prima Wibowo, Mochammad Eric Suryakencana Yenny Ernitawati Yovita, Lenni Yulita Setiawanta Zakaria, Fakhmi