Pengaruh Literasi Keuangan, Perilaku Pembelian Impulsif, dan Gaya Hidup Terhadap Penggunaan Shopee Paylater pada Mahasiswa Universitas Bengkulu (Gen Z)

Zara, Mey
Hanipah, Tiara Pracilia
Gustitantira, Aura Tryana
Junita, Seli Pia
Noverita, Anggi
Alifa Irawan, Cantika

Ekopedia: Jurnal Ilmiah Ekonomi
Vol. 2 No. 2 (2026): APRIL-JUNI 2026

The use of PayLater as a payment method can influence people’s lifestyles, particularly among Generation Z (1997–2012), who are familiar with technology. Although most of them do not yet have an income, Gen Z shows a high tendency to shop using PayLater, but often faces difficulties in managing their bills. Previous studies have examined the influence of financial literacy, impulsive behavior, and lifestyle on PayLater usage; however, they have not discussed its impact on hedonistic lifestyles that do not align with budgets. The advancement of financial technology, ease of access, fast registration processes, and various e-commerce promotions have further increased the use of PayLater among students. Therefore, this study aims to re-examine the influence of financial literacy, impulsive behavior, and lifestyle on PayLater usage among Gen Z at the University of Bengkulu, involving 100 respondents, It was found that financial literacy has a negative effect, while impulsive buying behavior and lifestyle have a positive effect on the use of Shopee PayLater among Generation Z at the University of Bengkulu.