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Heni Susilowati
Departemen Farmasi Fakultas MIPA Universitas Indonesia, Jakarta
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Journal : economics and digital business review

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Financial Behavior of Gen Z and Millennial Shopee PayLater Users: A Digital Financial Literacy Perspective Ardiyanto, Rizky; Susilowati, Heni
Economics and Digital Business Review Vol. 7 No. 1 (2026)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3697

Abstract

The development of financial services through digital platforms (Fintech) has triggered a shift in public perception of digital credit. The use of the buy now pay later (BNPL) system, which is not accompanied by adequate financial literacy, is the background of this study. The focus of the study is to evaluate the impact of digital financial literacy, financial attitudes, and accounting literacy on the financial behavior of Shopee PayLater users in Semarang Regency. A quantitative approach was used in this study, with data obtained from distributing questionnaires to 53 Generation Z and millennial respondents through a purposive sampling technique. Furthermore, the data were analyzed using multiple linear regression. The results revealed that digital financial literacy and accounting understanding contribute significantly to financial behavior. Conversely, financial attitudes do not have a significant partial effect on financial behavior. Simultaneously, digital financial literacy, financial attitudes, and accounting literacy have a significant effect on financial behavior, with an Adjusted R² value of 0.456. These results indicate that the ability to understand digital finance and accounting insight is crucial in creating smarter and more organized financial behavior when using digital credit services. This research contributes to the development of financial behavior literature and education for PayLater users in managing financial responsibility more optimally.
Co-Authors Ady, Pangeran Pandu Bayu Agustinus Rudolf Phym, Agustinus Agustiya, Arvi Alma Linggar Jonarta Andriana, Myra Anggawati, Melvi Indy Anne Handrini Dewi Aprilia, Sintya Ardiyanto, Rizky Asikin Nur Atsushi Tabata Ayun Febriana Azzahra, Annisa Annur Bin Noh Seth, Muhammad Najib Dea Cahyani, Yessica Denise Utami Putri, Denise Utami Devi Chretella Maheswara, Devi Chretella Dewi Agustina Dewi Widyaningsih Dewi Widyaningsih Dyah Irnawati Dyah Listyarifah Edy Meiyanto Endah Kusumastuti Fahlevi, Bunga Farida, Dwi Ana Farmasyanti, Cendrawasih Andusyana Ferry Adi Wibowo Fery Setiawan Fian Damasdino Gumelar, Kiki Hajardhini, Puspita Hanif, Hilmy Irsyadi Hardiyani, Reisca Tiara Hargyatni, Titin Hary Hermawan Hayuningtyas, Widya Galuh Henny Henny, Henny Heribertus Dedy Kusuma Yulianto Hermawan Prasetyanto HIDAYAT, ERWAN NUR Hideaki Nagamune Hirohiko Okamura Ika Yoga Innayati Oktiana Yudasari, Innayati Oktiana Intan Ruspita, Intan Irsalina, Nadia Iswari, Febri Nandia Sri Jaelani, Jaelani Juni Handajani Juwanti, Novi Rahma Katsuhiko Hirota Kaya Yoshida Kuijpers-Jagtman, Anne Marie Kustami, Endang Kusumaningsih, Dhevi Dadi Kusumaningtyas, Dhevi Dadi Lisdrianto Hanindriyo Lukis, Prima Agusti Mariana, Septanus Rita Maulana, Putri Anindya Miranti, Rina Mohammad Khafid Mu'tashim, Muhammad Faris Mun‘im, Abdul Nugroho, Setyo Prasiyono Nunuk Purwanti Pertiwi, Heppy Atma Prabowo, Adi Prakosa, Basma Rosandi Prawira, Anggun Wida Ratnaningrum Ratnaningrum, Ratnaningrum Retnosari Andrajati Santoso, Agus Wibowo Setyo Budi Sati, Dian Laras Selvy, Mutiara Sentosa, Ilham Septiani, Intan Dzahabiyah Seth, Muhammad Najib Shofiana, Umu Salma Siagian, JW Siswahyudianto Siti Sunarintyas Siwi, Dyanasti P. sugesti, sahlit Sulistyowati, Pemilia Suryani Hutomo, Suryani Suryanto, Yanti Ivana Tatsuji Haneji Titin Hargyatni Trianna Wahyu Utami Widagda, Sidiq Pramana Wijayanti, Afifah Arum Wulandari Wulandari Yoichiro Miyake Yosaphat Bayu Rosanto Yulianto, Gunawan Ziadah, Tsai'un Nur