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Pratiwi, Windi
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Journal : International Journal of Economics Development Research (IJEDR)

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The Role of Financial Literacy and Financial Technology on the Decision to Use Pay Later Moderated by Hedonism Lifestyle Pratiwi, Windi; Ariffin, Muchammad
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 2 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i2.6974

Abstract

Fintech is rapidly growing in various sectors such as payment start-ups, lending, financial planning, retail investment, financing, remittances, and financial research. Many start-up apps use pay-later payment services, so it is important to consider the consequences without a good financial understanding. Fintech plays an important role in effective payment transactions and has become part of the hedonistic lifestyle, increasing people's consumptive behavior. Financial literacy and fintech play a role in the decision to use PayLater services in Pontianak City, with financial literacy contributing positively at 27.8% and fintech at 53.1%. Although a hedonic lifestyle does not moderate the relationship between financial literacy and PayLater usage, it still has a positive effect of 22.2%. Overall, financial literacy, fintech, and lifestyle have a significant role in the decision to use PayLater in Pontianak City.
Co-Authors Afgan, Maulana Al Afifa, Zulaika Nur Aini, Qurratu Aisyah Aisyah Alya Jilana, Zikra Ariffin, Muchammad Dahlia Dahlia Dami, Dami Esdi, Olimpia Fajriah, Nadya Fajriah Fathurrohman, Ilham Febrianawati, Febrianawati Fridalni, Nova Hasanah, Amalia Ilahi, Rahma Kurnia Jismi Mubarrak Juairiyah Maulana, Yudi Mudrika, Arum Muhammad Basri Muhammad Zalviwan Naiyun Untung Utama Natasya, Narita Pauziah, Analisa Priyatama, Andika Rizal, Maulana Filani Sahilah Sakhiri, Dhani siti nurkhasanah Suharno Zen Syamsuri Thamrin, Micko Martha Uray Andrey Indra Maulana Veriska, Popi Mai Wandari, Ayu Zakiyah, Miftahuz Zalviwan, Muhammad