<![CDATA[This study aims to analyze the significance of the effects of lifestyle, financial literacy, and perceived ease of use on the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The type of data used is quantitative. The data source used in this study is primary data. The sample in this study consists of 100 respondents, collected using the purposive sampling method. Data collection techniques in this study involve questionnaires and literature reviews. The research instrument testing uses multicollinearity, autocorrelation, heteroscedasticity, and normality tests. Data analysis techniques used in this study include multiple linear regression, classical assumption tests, t-test, F-test, and the coefficient of determination (R2). The results of the validity and reliability tests show that all statements regarding lifestyle, financial literacy, and perceived ease of use toward consumptive behavior are declared valid because the p-value < 0.05 and reliable because Cronbach's alpha > 0.60. The result of multiple linear regression analysis from this study is Y = 22.212 + 0.369 X₁ - 0.612 X₂ + 0.482 X₃ + e. The t-test results show significance toward the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The F-test results show that the model is appropriate in predicting the effects of lifestyle, financial literacy, and perceived ease of use on the consumptive behavior of Buy Now Pay Later (BNPL) users among Generation Z in Surakarta. The results obtained from the coefficient of determination (R2) are 0.372, meaning that the contribution of the independent effects of X1 (lifestyle), X2 (financial literacy), and X3 (perceived ease of use) toward Y (consumptive behavior) is 37.2%, while the remaining (100% - 37.2%) = 62.8% is influenced by other variables not included in this study.]]>
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