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Budi Rustandi Kartawinata
Universitas Telkom
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Journal : Asian Journal of Management Analytics

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The Effect of the Use of Paylater Services on Consumption Patterns Mediated by Personal Money Management in Generation Z with Socioeconomic Factors as Control Variables Novarianty, Terisha Andra; Hidayat, Agus Maolana; Kartawinata, Budi Rustandi
Asian Journal of Management Analytics Vol. 4 No. 3 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i3.14762

Abstract

This study aims to analyze the influence of the use of paylater services on the consumption patterns of Generation Z with personal money management as a mediating variable and socioeconomic factors as a control variable. Using a quantitative approach, data was collected through questionnaires from 275 respondents, with 200 test-worthy data analyzed using the Structural Equation Modeling (SEM) method through SmartPLS. The results of the study show that the use of paylater services has a positive effect on consumption patterns, and this influence is significantly mediated by personal money management. Socioeconomic factors also affect consumption behavior. These findings support the advancement of financial literacy and risk management among Generation Z in the context of the digital age.
Co-Authors Achmad, Fariz Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Ahmad, Mokhtarrudin Akhmad Yunani Aldi Akbar Apriano, Raditya Arif Kuswanto Avinda, Ika Nur Bagus Novrianto Candra Wijayangka Citra, Khansa Fairuz Deden Witarsyah Dyah Maharani Elfarida Waty, Virgine Untari Faqih Hamami Farida Fajar Hidayati Fauzan Aziz Fauzia Rahman Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan I Nyoman Bontot Indah Kusprasetya Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Mangsor, Miza Monika Yovita Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Mutiara, Nidia Ananda Nia Fitria Nurhalisa Nidia Ananda Mutiara Novarianty, Terisha Andra Nuslih Jamiat Pratiwi, Oktaria Nurul Radinka Dynand Mahessara Razali, Raja Razana Raja Rizki , Kurniady Safitri, Annisa Salma Aprilia Siahaan, Theresia Yolaika Silvi Amisha Putri Sita Deliyana Firmialy Sujak, Aznul Fazrin bin Abu Susanto Hendiarto Syah Putra, Syah Syahputra Syahputra Syahputra, Syahputra Syarifuddin Syarifuddin Theresia Yolaika Siahaan Treshya Setya Maharani Wijayanti, Nur Zahid, Azham