<![CDATA[Technological advances in digital finance have driven the rapid use of fintech services, one of which is the paylater payment method. This service provides convenience in transactions, but can also encourage the emergence of consumptive behavior, especially among students. This study aims to analyze the influence of financial literacy and perceived ease of use on the consumptive behavior of students using fintech paylater in Depok City. This study used a quantitative approach with a survey method. Data were collected by distributing questionnaires to 100 active student users of paylater services in Depok City, selected using a purposive sampling technique. Data analysis was performed using multiple linear regression using SPSS version 26. The results showed that partially, financial literacy and perceived ease of use have a positive and significant effect on consumptive behavior. Simultaneously, both variables also significantly influence student consumptive behavior in using fintech paylater. These findings indicate that the higher the level of financial literacy and the greater the perceived ease of use, the higher the potential for students to behave in a consumptive manner. Therefore, it is necessary to increase student awareness in managing finances and using fintech services wisely.]]>
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