<![CDATA[Technological advances in online payment security have increased consumer trust in online transactions. As a result of developments and evolution in the financial industry and changes in consumer lifestyles, the Paylater service emerged. Paylater services are a form of credit that allows consumers to purchase goods or services without having to pay immediately but can pay later within a certain period. This research aimed to determine the community background in using Paylater and its benefits and risks. Based on the research background, the researcher employed a qualitative method with a phenomenological approach. The research subjects were the people of Pekanbaru City. Researchers used observation, in-depth interviews, and documentation techniques to obtain information. The research results revealed that the community backgrounds of adopting Paylater were (1) ease of accessing Paylater services, (2) flexibility in payments, (3) varied special offers and promotions, (4) ease of applying for credit, and (5) an integrated application with e-commerce and digital platform. The benefits were easy and practical transactions, enabling people to actualize dream items quickly, fulfilling urgent needs, providing motivation while working, and improving the shopping experience. Meanwhile, the risks of Paylater were being dependent and addicted to Paylater services, disrupted and wasteful financial management, high fines and interest costs, financial pressure and stress, and risks of getting much debt.]]>
