Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
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This Author published in this journals
All Journal International Journal of Economics, Business and Innovation Research
Harum Silvia Kusuma Putri
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pay Later Usage Behavior of Generation Z: Testing the Influence of Financial Literacy, Financial Self-Efficacy, and Financial Well-Being Harum Silvia Kusuma Putri; Zaenal Arifin
International Journal of Economics, Business and Innovation Research Vol. 5 No. 02 (2026): February - March, International Journal of Economics, Business and Innovation
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i02.3112

Abstract

This study aims to determine the effect of financial literacy, financial self-efficacy, and financial well-being on Generation Z's use of pay later services. This research conducted using a quantitative approach through an electronic questionnaire using Google Forms, targeting Generation Z from major cities on the island of Java. The testing conducted using Structural Equation Modeling (SEM) analysis with the Partial Least Square SEM (PLS-SEM) method using the SmartPLS application. The results of this research indicate that financial literacy has a negative effect on the use of pay later, while financial self-efficacy and financial well-being do not have an effect on the use of pay later.
Co-Authors Zaenal Arifin