The Effect of Shopeepaylater Usage and Ease of Payment on the Consumptive Behavior of Generation Z in Central Jakarta

Yeniana Mau (Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bina Sarana Informatika, Jakarta)
Irwin Ananta Vidada (Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bina Sarana Informatika, Jakarta)
Rina Lestari (Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Bina Sarana Informatika, Jakarta)

Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI)
Vol. 4 No. 04 (2026): Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia (JEAMI), 2026

This study aims to empirically examine the effect of ShopeePayLater, a Buy Now, Pay Later (BNPL) service, and ease of payment on the consumptive behavior of Generation Z in Central Jakarta. The rapid development of financial technology has transformed digital payment practices and, at the same time, may encourage impulsive and excessive consumption. This study employed an associative quantitative approach using a survey method. Respondents were selected through purposive sampling based on predetermined criteria, and the data were analyzed using multiple linear regression with SPSS. The findings indicate that ShopeePayLater usage has a positive and significant effect on consumptive behavior. Ease of payment also has a positive and significant effect on consumptive behavior. Simultaneously, ShopeePayLater usage and ease of payment significantly influence the consumptive behavior of Generation Z in Central Jakarta. These findings indicate that easier access to deferred payment facilities and convenient digital payment mechanisms may strengthen consumptive tendencies among young consumers. The study highlights the importance of financial literacy, responsible use of BNPL services, and self-control in managing digital consumption behavior.