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All Journal Efisiensi : Kajian Ilmu Administrasi Jurnal Ekonomika JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) AJIE (Asian Journal of Innovation and Entrepreneurship) Jurnal Mirai Management Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Distribusi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL EKSBIS Abdimasku : Jurnal Pengabdian Masyarakat Bisnis Net : Jurnal Ekonomi dan Bisnis Berdikari : Jurnal Ekonomi dan Statistik Indonesia JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Dinamika Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Pengabdian Masyarakat dan aplikasi Teknologi Journal of Administration Studies Jurnal Ekonomi dan Bisnis Nak-Kanak: Journal of Child Research Edusight Jurnal Pengabdian Masyarakat (EduJPM) Journal of Ekonomics, Finance, and Management Studies International Journal Of Pedagogical Novelty (IJOPNOV)
Safitri, Maria
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Journal : Distribusi

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EKPLORASI CONTINUANCE INTENTION PADA EXPECTATION CONFIRMATION MODEL BERKELANJUTAN PENGGUNA BUY-NOW-PAY-LATER DI KOTA SEMARANG Ningrum, Shintia Nabila; Kusuma, Pradana Jati; Safitri, Maria; Prawitasari, Dian
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.693

Abstract

This study examines the effects of financial literacy, perceived usefulness, and perceived risk on continuance intention in the use of PayLater services by considering satisfaction as a mediating variable and confirmation as a moderating variable among PayLater users in Semarang City, within the framework of the Expectation Confirmation Theory (ECT) and Technology Acceptance Model (TAM). This research adopts a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 156 active Buy Now Pay Later (BNPL) users in Semarang City using purposive sampling and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that financial literacy has a significant effect on continuance intention, while perceived usefulness positively affects continuance intention through satisfaction. User satisfaction emerges as the strongest determinant influencing continuance intention, suggesting that actual usage experience plays a more critical role than initial perceptions. In contrast, perceived risk does not have a significant direct effect on continuance intention. These findings imply that user experience and satisfaction are more influential in sustaining BNPL usage than initial cognitive factors. This study provides practical implications for BNPL service providers to prioritize service quality and system usability. Therefore, providers are encouraged to enhance financial literacy education while strengthening service benefits and quality to improve user satisfaction and promote continued usage, particularly among PayLater users in Semarang City.
Co-Authors Adiba, Sarah Adibaturrohmah, Adibaturrohmah Agus Prayitno Agustin, Alief Alesi, Nipinoya Amalia, Rifdah Amron Amron, Amron Ariati Anomsari Ashari, Ayu Budiyanti, Erfina Vesnia Cahyani, Novita Chasanah, Amalia Nur Claudia riska, Riska claudia Dahlia Luftiani Damar, Haunan Diana Aqmala Diana Puspitasari Dias Putri Yuniar Eric Suryakencana Wibowo, Mochammad Eugenianda, Alfarizqi Nur Fadhli, Muhammad Ataka Faricha, Dewi Farid, Mohamad Naufal Fatmawati, Elia Resha Gufron, Ahmad Syaiful Gutama, Zulfikar Handhany, Melsanda Farelya Harjum Muharam Hartanti, Anita Herry Subagyo Ida Farida Imam Nuryanto Irene Rini Demi Pangestuti Istiqomah, Luthfiyyah Jaka Prasetya Jatmiko, Andreas Jonathan, Fandy Juli Ratnawati Kamiliya, Chantika Zulfa Karimah, Nabilatul Karis Widyatmoko Kusuma, Pradana Jati Made Gede Wirakusuma Mahmud Mahmud Marsela, Neni Minguez-Vera, Antonio Neni Kurniawati Ningrum, Shintia Nabila Ningrum, Widya Setya Oktavia, Vicky Oktoriza, Linda Ayu Pamungkas, Angling Sadewo Aji Pamungkas, Natalinda Piji Pakarti Pramesti, Tia Prawitasari, Dian Prihandono, Adi Puji Purwatiningsih, Aris puspita, Vinata dyan Putri, Safa’a Amalia Riskiyah, Fadilatur Rizky, Ivan Prabaswara Rudi Kurniawan Samasta, Almira Santi Saputra, Mochamad Adi Setiawan, Aries Setyahuni, Suhita Suharnawi Suharnawi Suhita Whini Setyahuni SURYAWIJAYA, TITO Ulsatunnisa, Ulsatunnisa Usman Usman Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Wira Eka SuryaWijaya, Tito yitda, gartika Yovita, Lenni Yuniar, Ayu Rizky Zakaria, Fakhmi