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All Journal Jurnal Ekonomi dan Bisnis Ekobis: Jurnal Ilmu Manajemen dan Akuntansi Journal Of Human And Education (JAHE) Dinamika Conference Proceedings International Conference on Education Innovation and Social Science
Anggorowati, Luki Sri
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Arts 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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Journal : Dinamika

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EXPLORING THE IMPACT OF PAYLATER PAYMENTS ON CONSUMER BEHAVIOR AND PUBLIC FINANCIAL MANAGEMENT: A SYSTEMATIC LITERATURE REVIEW Anggorowati, Luki Sri
Dinamika: Jurnal Manajemen Sosial Ekonomi Vol. 5 No. 1 (2025): DINAMIKA : Jurnal Manajemen Sosial Ekonomi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/qq1ztp52

Abstract

The development of financial technology has driven the emergence of various innovations in payment systems, one of which is the paylater service or "buy now, pay later." This service has been widely adopted by marketplace platforms to enhance consumer convenience. This literature review aims to analyze the impact of paylater services on the increase in consumerist behavior among marketplace users. The method used in this study is a Systematic Literature Review (SLR) of journal papers published from 2022 to 2025. Based on the review of various studies, it was found that easy access, quick approval processes, and minimal psychological barriers in making purchases contribute to increased frequency and transaction value among consumers. This review concludes that paylater services tend to encourage consumerist behavior, particularly among the younger generation who actively use digital platforms. The study recommends the need for digital financial literacy so that users can make wiser use of these services.
Co-Authors Abdulloh Mubarok Adi Santoso Fachry Abda El Rahman Fanhar, Fani Furqon, Ali Hari Purwanto Husein, Adnan Muhammad Indrawan, Ilham Dwi Iskandar, Haris Surya Kanahara, Alyazafira Audy M. Farid Wajdi, M. Farid Meida Rachmawati Merryana Putri, Diva Amelia Pratiwi, Ananda Hana Rahayu, Listyowati Puji Ramadhani, Hashifah Nindi Safitri, Unna Ria Suryana, Alean Kistiani Hegy Tri Nur Wahyudi Yuliarta, Refina Dwi