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All Journal Jurnal AbdiMas Nusa Mandiri Priviet Social Sciences Journal
Rizkiani Iskandar
Tadulako University
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Digital natives and deferred payments: A qualitative study of young consumers' e-commerce BNPL behaviors Syarifah Aliyah Fitrisam; Muhammad Isra Iradat; Rizkiani Iskandar; Ayu Putri Utami; Rika Febby Rhamadhani
Priviet Social Sciences Journal Vol. 5 No. 9 (2025): September 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i9.575

Abstract

The swift adoption of Buy Now, Pay Later (BNPL) options has significantly changed the online shopping experience, particularly among younger demographics, such as Generation Z and Millennials, in Indonesia. Given that many individuals in this age group do not possess traditional credit cards, BNPL has become a favored and easily accessible solution that fits their digital lifestyle. This research examines how the rise of BNPL affects the purchasing choices, financial outlooks, and expressions of identity of younger consumers. The results indicate a transition in consumer behavior that prioritizes convenience, facilitated by digital platforms, where payment methods serve as a form of self-expression and reflect personal lifestyle preferences. The findings highlight the social and psychological aspects of deferred payment systems, offering valuable insights into the evolving dynamics between young consumers and financial innovation.
PELATIHAN DIGITAL MINDSET & TRANSFORMASI USAHA DI ERA 5.0 KEPADA PELAKU USAHA DAN MAHASISWA WIRAUSAHA Rizkiani Iskandar; Mohammad Yunus Kasim; Djayani Nurdin; Vitayanti Fattah; Darman Darman; Pricylia Chintya Dwi Buntuang; Asriadi Asriadi; Ayu Putri Utami; Hesti Evrianti
Jurnal AbdiMas Nusa Mandiri Vol. 8 No. 2 (2026): Periode April 2026
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/abdimas.v8i2.7931

Abstract

This community service program aims to strengthen digital mindsets and encourage business transformation in the Society 5.0 era for local business owners and student entrepreneurs in Palu City. The activity was designed as a participatory workshop that integrated the presentation of the Society 5.0 concept (a super-intelligent society that places humans at the center of technology-based innovation) and digital mindset (an adaptive way of thinking that utilizes digital technology as part of a long-term business strategy) with hands-on practice using digital applications for marketing and business management. Evaluation was conducted through pre- and post-tests, satisfaction questionnaires, and observations of 50 participants. The results showed an increase in the average score of understanding digital mindsets from 68,20 to 85,40, with 85% of participants stating that the activity was very beneficial and 75% stating that they were ready to implement business digitalization strategies. Student entrepreneur participants showed faster adaptation to digital applications compared to senior business owners, who still needed further mentoring. These findings indicate that strengthening digital mindsets combined with practical training has the potential to effectively encourage gradual digital-based business transformation and increase entrepreneurial competitiveness in Palu City in the Society 5.0 era.
Co-Authors Asriadi Asriadi Ayu Putri Utami Darman, Darman Hesti Evrianti Iradat, Muhammad Isra Mohammad Yunus Kasim NURDIN, DJAYANI Pricylia Chintya Dwi Buntuang Rika Febby Rhamadhani Syarifah Aliyah Fitrisam Vitayanti Fattah