Perilaku belanja mahasiswa dalam ekonomi digital: Peran sikap keuangan dan pembelian impulsif pada penggunaan Shopee paylater

Nida Nur Adianti (Fakultas Ekonomi dan Bisnis, Universitas Buana Perjuangan Karawang)
Nandang Nandang (Fakultas Ekonomi dan Bisnis, Universitas Buana Perjuangan Karawang)
Rengga Madya Pranata (Fakultas Ekonomi dan Bisnis, Universitas Buana Perjuangan Karawang)

Journal of Management and Digital Business
Vol. 6 No. 2 (2026): Journal of Management and Digital Business

This research aims to analyze the influence of financial attitude and impulsive buying behavior on spending behavior among students using Shopee PayLater. Students were chosen as respondents because they are the younger generation actively utilizing digital economy services, particularly cashless payment systems. This study uses a quantitative method with a causal associative design. Data were collected through a Likert scale (1–7) questionnaire from 384 respondents determined using the Slovin formula (5% error rate) and purposive sampling technique. Data analysis was conducted using multiple linear regression with the help of SPSS after passing through validity, reliability, and classical assumption tests. The research results show that financial attitudes and impulsive buying behavior have a positive and significant impact on shopping behavior, both partially and simultaneously. The novelty of this research lies in the simultaneous testing of both variables in the context of using the paylater feature on digital platforms.