This study aims to determine the effect of perceived ease of use, benefits, and risks on interest in using shopee paylater, with the use of shopeepay as a mediating variable, because the importance of something that can trigger individual interest in something that already has an image is avoided. This type of research uses quantitative research with a total of 100 respondents through purposive sampling. The results of the study indicate that there is a direct and indirect positive and significant effect of perceived ease of use, benefits, and risks on Shopee PayLater, and through the use of Shopeepay, with a t-count > t-table, and the significance of t < 0. And the effect value indirect which is greater than the value of the direct influence between variables. So that all research hypotheses can be accepted.
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