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Heti Mulyati
Dosen Departemen Manajemen, Fakultas Ekonomi Dan Manajemen, Institut Pertanian Bogor
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Journal : Quantitative Economics and Management Studies

 1 
Factors That Affect The Consumptive Behavior of Paylater Users Jamot Parasian Tambunan, Parada; Mulyati, Heti; Anggraeni, Elisa
Quantitative Economics and Management Studies Vol. 6 No. 4 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems3988

Abstract

The rapid advancement of digital transformation has led to innovations in the financial sector, one of which is the paylater service. This service has significantly influenced financial behavior, particularly among millennials in Indonesia. Paylater allows consumers to make purchases immediately and defer payments with flexible terms, making it increasingly popular due to its accessibility. The growing adoption of this service reflects a consumerist trend that may contribute to increased debt, especially in urban areas. This study aims to examine the influence of financial literacy, digital literacy, self-control, lifestyle, and financial behavior on consumer behavior in using paylater services among millennials in Bogor City. A quantitative approach was employed, involving a sample of 280 respondents from diverse age groups, occupations, and educational backgrounds. Data were collected through questionnaires and analyzed using the SEM-PLS technique with SmartPLS. The findings indicate that financial literacy, lifestyle, self-control, and financial behavior have a significant positive impact on consumer behavior, whereas digital literacy does not show a significant influence. This study provides important implications for paylater service providers, the government, and society to enhance financial literacy and self-control, promote responsible lifestyle and financial behaviors, and encourage the wise use of paylater services.
Co-Authors Abdullah, Asaduddin Adwiyah, Rabiatul Agung Setiawan Akhmad Fauzi Alfi Yani Andranurviza Alifudin, Meygy Alim Setiawan Alim Setiawan Amel, Nada Shafa Aminah, Mimin Anas, Winnie Pratiwi Andy Artha Donny Oktopura Anggraini Sukmawati Anwar, Ranti Fitri Aron Marsondang Asep Mulyana Aushaf Indra Luhfhi, Gusti Azizah, Aisyah Nur Basith, Abdul Bovi Mutiara Sofi Chairullah Amin Deni Achmad Soeboer Dewi, Farida Ratna Didin Jamaludin Dina Yuniar Doni Yusri Eka I. K. Putri Ekawaty, Retno Eko Ruddy Cahyadi Elfaristo, Liana Elisa Anggraeni Elisa Anggraeni, Elisa Eva Anggraini Fany Annisa Agusti FARAH FAHMA Fary, Veronica Fatma Saqdiah Fauziah, Nirwana Fitri Yutika Fitri Yutika Gagas Pragmawiguno Gendut Suprayitno Gendut Suprayitno Gibza Adam Farhandika Hardiana Widyastuti Hayuningsih, Sri Hermanto Siregar Idqan Fahmi Indrawan, Dikky irmansyah, Rio F Jamot Parasian Tambunan, Parada Joko Purwono Jono M Munnadar Kasyafiya Jayanti Kautsar, Muhardi Ahmad Ketut Sugama Kusmintarti, Arini Kusumastuti, Ratna Yulia Mahfudz, Naufal Mandasari, Mandasari Marimin , Ma’mun Sarma Megawati Simanjuntak Mokhamad Syaefudin Andrianto Muhammad Yusuf Ali Muhammad Yusuf Ali Mukhamad Najib Musa Hubeis Nisa Zahra Pembayun, Estu Lovita Permatasari, Prisca Christian Petricka, Gracea Pragmawiguno, Gagas pratomo, edwin agung Prima, Sisilia Purwanto, Budi Rabiatul Adwiyah Raden Dikky Indrawan Rahmawati, Wita Juwita Ratna Yulia Kusumastuti Rindi Handayani Riyan M. Faris Rochmawati Rochmawati Saefurrohman, Asep Slamet, Alim Setiawan Sodik, Aris Sonya Dwi Rachmawati Sonya Dwi RachmawatiI Syahrir, Azhar Taufiq Hidayat Tridoyo Kusumastanto Wasfi, Sabrul Widyastutik Wiranti Suwarti Sari Wita Juwita Ermawati Yusman Syaukat