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Candy Candy
Universitas Internasional Batam
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Journal : Journal of Consumer Science

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The Interplay of Mindfulness, Impulsive Buying, and Perceived Risk in Buy Now Pay Later (BNPL) Usage among Mature Generations in Indonesia Isnaini Nuzula Agustin; Nurika Rama Nasya; Candy
Journal of Consumer Sciences Vol. 10 No. 3 (2025): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.10.3.535-553

Abstract

Background: Concerns are being raised about the effects of the growing use of Buy Now Pay Later (BNPL) in Indonesia on financial well-being and consumer behavior, particularly among Millennials and Gen X. Purpose: This study aims to examine the relationship between BNPL usage and financial well-being, considering the role of mindfulness and the tendency for impulsive buying. It further explored the role of Perceived Risk as a moderator in the relationship between mindfulness and BNPL usage. Method: This study employed a quantitative, scientific method using numerical data and analyzed using statistical methods. The sampling method used was purposive, specifically targeting BNPL users from the Gen X and Millennial demographics in Indonesia. Data collection using a questionnaire yielded 327 respondents. Findings: Mindfulness was positively correlated with BNPL usage, reducing the tendency for impulsive buying. Conversely, the tendency to make impulsive purchases increased BNPL usage. Perceived Risk further moderated the relationship between mindfulness and planned BNPL usage. Conclusions: Mindful adult users were more inclined to avoid impulsive buying and instead used BNPL for more necessary expenses, indicating a nuanced relationship between psychological traits and financial behavior. Research implication: These results helped policymakers develop initiatives to enhance financial education and reduce the risks associated with BNPL adoption.
Co-Authors Ade Agustika Br Surbakti agustin, isnaini nuzula Albert Lee Alex Alex Alex Alex Aliandrina, Dessy Alice Alice Alice Alice Alzi Andita, Amelia Andre Steven Hutagaol Andrew Andrew Andryanto Andryanto Angelina Goh Angelina Valensia Angeline Aurellia Anton Winardy Apriliah, Lila Apriyadi, Riki Ati, Errina Brahmantya Chriswardhana Cahyani, Isty Rosy Calvina Hartanto Calystania, Verren Chandra Wijaya Cheristina, Cheristina Chrysti, Angelica Vivian Cindy Fransiska Cuandra, Fendy Darwin Darwin Dastin Dastin Dastin Dastin, Dastin Delfina Delfina Delfina, Delfina Dhifira Annisa Widyasari Eddy Oktarianto Egabetha Amirah Yudhaputri Elfan Wahyu Mulyana Eliya, Sartika Erick Erick Ernestine, Ernestine Estina Sativa Evelyn Loo Febrianti, Della Feby, Kristine Gladis Feronika Romadoni, Salsabilah Freddy Freddy Goh, Angelina Hansen Can Harsali F. Lampus Hendra Wijaya Hendru Hendru Hendru, Hendru Hery Haryanto Hesniati, Hesniati Indra Novita Isnaini Nuzula Agustin Isty Rosy Cahyani Isty Rosy Cahyani Ivan Jones Ivander Lukito Jacelyin Jacelyin Jenny Jenny Jeslin Jeslin Jessica Novia Jessica Novia Jessica Valeria Jesslyn Jesslyn, Jesslyn Jimmy Tjong Joey Joey Jofia, Nurul Johny Budiman Jolin, Jolin Joycelin Joycelin Joycelin, Joycelin Julia Rahayu Putri Julia Renaldi, Angelina Junestin Junestin Junita Junita Junita Junita Junita Junita Justyanita Justyanita Kellen Vincent Kelvin Kelvin Kelvin Kelvin Kelvin Kwek Keyi Sylvia Tania Kristiani Kristiani Kristina Kristina Krisyadi, Robby Lady, Lady Larventy, Larventy Lay, Sevvie Prissy Lena Sepriani Lena Sepriani Leo Rendy Liana, Jumi Licca, Vellia Lie, Kelvin Liu, Anastassia Joan Liu, Michelle Selvia Lu Sudirman Malino, Ahmad Esa Galang Marcelino Marcelino Marheni, Dewi Khornida Mayviana, Vivin Merlin Leona Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Selvia Liu Miftachul Choiri Nabilah, Cheisya Nainggolan, Ferdinand Ng, Charles Novi Angelina Noviany, Ivana Metta Nurika Rama Nasya Oscar, Franky Priscillia, Viviona Priscillia, Viviona Putri, Deandra Emilya Putri, Dhamma Vicaya Putri, Fathir Suria Marika Putri, Shieny Tan Quinn, Fionna Rahmadani, Herisna Rahmatika, Tasha Rangan, Andy Rangan, Andy A. Renato, Rio Rio Renato Rizal Verandi Robin Robin Robin Robin Rudyanto Rudyanto Sabila, Chen Chen Aprilia Saleh, Denny Salim, Silvia Sandy Putra Saputra, Sabrandi P. Sari, Mentari Indah Saumur, Odwin B. Selen Angelina Selina Phang Sephia Septiana Shellyna Shellyna Shelvi Shelvi Shelvi, Shelvi Sherlyn, Sherlyn Sherry Sherry Sisca, Veni Sorongku, Ronald Soveinia Soveinia Stefhani Susanto Stephanie Stephanie Stewendy, Stewendy Suprapto, Yandi Suryoprabowo, Vincent Syahputri, Dinda Rafika Tan, Ie Ling Teddy Ong Tony Chandra Tu, Michelle Nataline Verawati Vincent Vincent Vincent, Vincent Vira Vira Vira, Vira Vivian Vivian Welen Welen Wendy Wijaya, Calvin Wijaya, Frendy Wilson Wilson Winny Lim Winny Stevania Wisnu Yuwono Wong, Elaine Wynne Lie Yandi Suprapto Yeria, Winny Yodiputra, Jason Yopie, Santi Yulfiswandi, Yulfiswandi