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All Journal Daengku: Journal of Humanities and Social Sciences Innovation International Journal of Economics, Management and Accounting Jurnal Sipakatau Indonesian Journal of Business and Entrepreneurship Research Indonesian Journal of Enterprise Architecture
Sitti Hasbiah
Universitas Negeri Makassar, Indonesia
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Social Sciences Veterinary Other

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Beyond Ease of Use: The Roles of Perceived Usefulness, Facilitating Conditions, and Consumer Attitudes in PayLater Adoption Ilma Wulansari Hasdiansa; Sitti Hasbiah; Asniwati Asniwati
International Journal of Economics, Management and Accounting (IJEMA) Vol. 4 No. 2 (2026)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v4i2.286

Abstract

Buy Now, Pay Later (BNPL) services have expanded consumers’ access to short-term digital credit, yet adoption requires more than an effortless payment interface. Drawing on the Technology Acceptance Model and facilitating conditions perspective, this study examines the technological and attitudinal factors associated with PayLater adoption intention among Indonesian consumers. Data were obtained from a survey of 433 respondents and analyzed using covariance-based structural equation modeling. The findings indicate that perceived ease of use positively predicts perceived usefulness (β = 0.60, t = 8.38), while perceived usefulness contributes to favorable consumer attitudes (β = 0.30, t = 5.02). Facilitating conditions are positively related to perceived usefulness (β = 0.12, t = 1.96) and adoption intention (β = 0.23, t = 3.40). Consumer attitude also shows a statistically significant association with intention (t = 3.67). These findings suggest that perceived practical value and enabling resources complement interface simplicity in encouraging BNPL acceptance. The study offers implications for designing accessible, useful, and responsibly communicated digital credit services.
Co-Authors Andi Anggi Kemalasari Andika Isma Asniwati Asniwati Basri Bado Deswalantri Deswalantri Fajriani Azis Hajar Dewantara HERY PURNOMO Ika Wahyu Pratiwi Ilma Wulansar Hasdiansa Ilma Wulansari Hasdiansa M. Azwar Haslip Nur Andini Sudirman Nurhayani Nurhayani Riyanti, Apriani Rully Arifiansyah Sopi Sopi Ukie Tukinah