<![CDATA[Shopee PayLater is a fintech service frequently used nowadays, particularly among Generation Z in Surabaya. The ease of using this service makes many of Generation Z use it for consumptive purposes, but enough financial capability does not follow it. This study seeks to examine how financial literacy and user-friendliness impact consumer spending tendencies, with lifestyle serving as a moderating variable. This research adopts quantitative methods using primary data. Respondents in this research were Generation Z users of Shopee PayLater in Surabaya. A total of 112 respondents were selected through a non-probability sampling technique, then analyzed with SEM-PLS. The results showed that Financial Literacy has a positive influence on Consumptive Behavior. The level of ease of use contributes significantly to individual consumption patterns. Lifestyle acts as a factor that strengthens the relationship between financial literacy and consumer behavior. Conversely, lifestyle does not have a moderating effect on the relationship between ease of use and consumer behavior among Shopee PayLater consumers in Surabaya.]]>
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