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All Journal JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Jurnal Manajemen Pendidikan SEIKO : Journal of Management & Business Jurnal Ilmiah Manajemen Kesatuan Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Manajemen Stratejik dan Simulasi Bisnis Jurnal Kajian Ilmu Manajamen Indonesian Journal of Islamic Economics and Finance
Purnomo, Arie Setyo Dwi
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Literasi Keuangan dan Kemudahan Penggunaan Terhadap Minat Menggunakan Aplikasi Paylater dengan Disonansi Kognitif sebagai Variabel Moderasi Pada Mahasiswa Adianti, Tamaya; Purnomo, Arie Setyo Dwi
Jurnal Kajian Ilmu Manajemen (JKIM) Vol 5, No 4 (2025): Desember 2025
Publisher : Management Department of Economics and Business Of Trunojoyo Madura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jkim.v5i4.33291

Abstract

One phenomenon increasingly popular among students today is the use of paylater services. To use these services wisely, students need adequate financial literacy and a user-friendly application. This study aims to examine the influence of financial literacy and ease of use on the intention to use paylater applications, as well as the moderating role of cognitive dissonance.This research employs a quantitative approach with 100 respondents selected through purposive sampling. Data were collected via questionnaires and analyzed using Partial Least Squares (SmartPLS 4).The results show that financial literacy and ease of use have a positive and significant effect on the intention to use paylater services. However, cognitive dissonance does not moderate these relationships, likely because students use paylater for small transactions, which do not trigger internal conflict.
Co-Authors Adianti, Tamaya Apriliana Wahyu Pratiwi aprilina susandini Fitria, Anis Nikmah, Wardatun Nirma Kurriwati, Nirma Prasetyo Nugroho Puteri, Oktavianda Riyantini Putri, Anggita Eka Syahrani Rochma, Miftahul Hidaya Syamsiyah, Siti Nur Tunnabila, Sabna