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All Journal MBIA Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurnal Bina Akuntansi International Journal of Finance Research Jurnal Akuntansi dan Keuangan (JAK) Jurnal Pengabdian kepada Masyarakat Bina Darma Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Reflektif: Jurnal Pendidikan dan Kebudayaan Jurnal Simki Economic Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Septiani Fransisca
Universitas Bina Darma
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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The Influence of Financial Literacy, Lifestyle, and Self-Control on the Financial Behavior Among Gen Z Users of Shopee Paylater Putri Erika Syahrani; Septiani Fransisca
International Journal of Finance Research Vol. 7 No. 3 (2026): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v7i3.3646

Abstract

The rapid development of financial technology has driven the emergence of various innovations in digital financial services, one of which is the “PayLater” feature, such as Shopee PayLater. This feature offers easy access, a fast process, and various promotions, making it highly popular. However, this convenience leads Gen Z to make impulsive purchases without proper financial planning. This can result in delinquent loans due to poor financial behavior. This study aims to analyze the influence of financial literacy, lifestyle, and self-control on the financial behavior of Gen Z users of Shopee PayLater. The research method employed is a quantitative approach. The data used in this study consists of primary data collected via a questionnaire using Google Forms. The sample comprised 100 respondents who are Gen Z users of Shopee PayLater in the city of Palembang. The sampling technique used was non-probability sampling with a purposive sampling method. The data analysis technique employed was Structural Equation Modeling based on Partial Least Squares (SEM-PLS) using SmartPLS 4.0 software, including measurement model evaluation (outer model), structural model evaluation (inner model), and hypothesis testing. The results of this study indicate that financial literacy has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater; lifestyle has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater; and self-control has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater
Co-Authors Aan Restu Mukti Dewi Sartika Endang Puji Lestari Fitriasuri, Fitriasuri Hesti Ramadini Istiqomah Wardani M. Amirudin Syarif Mifta hudin Muhammad Akbar Anugrah Nadila Nadila Noviardy, Andrian Poppy Indriani Putri Erika Syahrani Richa Rahmawati Rintan Desvita Rolia Wahasusmiah Siti Rahmah Ayu Trisninawati Verawaty Verawaty Winda Winarti