<![CDATA[Abstract : This research aims to analyze the effect of perceived ease of use, perceived risk, and perceived benefits on decisions to use the PayLater feature, as well as the role of the level of individual needs as a moderator by applying the Technology Acceptance Model (TAM) theory as the basis of research. The sampling technique used was purposive sampling with predetermined respondent criteria. This research uses descriptive quantitative research methods, the data is collected using a questionnaire distributed to respondents via Google Form. The sample used in this study was 100 respondents from the Digital Business S1 study program at Ngudi Waluyo University. The analysis method used is Partial Least Square (PLS) with the help of the SmartPLS version 3.00 program and analyzed using the outer model and inner model. The results showed that perceived ease of use, perceived risk, and perceived benefits have a significant influence on the decision to use the PayLater feature. The level of individual needs also has a significant effect on the decision to use the PayLater feature. However, the level of individual needs does not strengthen the direction of the relationship between perceived convenience, perceived risk, and perceived benefits on the decision to use the PayLater feature. Abstrak : Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kemudahan penggunaan, persepsi risiko, dan persepsi manfaat terhadap keputusan penggunaan fitur PayLater, serta peran tingkat kebutuhan individu sebagai moderator dengan menerapkan teori Technology Acceptance Model (TAM) sebagai dasar penelitian. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan kriteria-kriteria responden yang telah ditetapkan. Penelitian ini menggunakan metode penelitian kuantitatif deskriptif, data dikumpulkan menggunakan kuesioner yang disebarkan kepada responden melalui Google Form. Sampel yang digunakan dalam penelitian ini sebanyak 100 responden mahasiswa program studi S1 Bisnis Digital Universitas Ngudi Waluyo. Metode analisis yang digunakan adalah Partial Least Square (PLS) dengan bantuan program SmartPLS versi 3.00 dan dianalisis menggunakan outer model dan inner model. Hasil penelitian menunjukkan bahwa persepsi kemudahan penggunaan, persepsi risiko, dan persepsi manfaat memiliki pengaruh signifikan terhadap keputusan penggunaan fitur PayLater. Tingkat kebutuhan individu juga berpengaruh signifikan terhadap keputusan penggunaan fitur PayLater. Namun, tingkat kebutuhan individu tidak memperkuat arah hubungan antara persepsi kemudahan, persepsi risiko, dan persepsi manfaat terhadap keputusan penggunaan fitur PayLater.]]>
