JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

The Behavioral Drivers of PayLater (BNPL) Use Intention: Financial FoMO, Cashless Pain of Paying, and Present Bias among Gen Z University Students in Semarang City

Affroni, Moh Zaenal (Unknown)
Faza Rusyda (Unknown)
Robetmi Jumpakita Pinem (Unknown)

Article Info

Publish Date
15 Feb 2026

Abstract

This study examines the effects of Financial FoMO, Cashless Painlessness, and Present Bias on Buy Now Pay Later (BNPL) use intention among Generation Z university students in Semarang City. Using a quantitative survey of 150 BNPL users, data were analyzed with multiple linear regression in SPSS. The findings reveal that all three variables positively and significantly influence BNPL use intention, both individually and jointly. Cashless Painlessness emerges as the strongest predictor, indicating that less salient payment experiences increase intention. The model explains 65.3% of the variance in BNPL use intention (R² = 0.653).

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...