<![CDATA[This study aims to analyze the influence of Islamic financial literacy, lifestyle, and impulsive buying on the use of Shopee PayLater among students at Universitas Muhammadiyah Jember. The rapid development of financial technology, particularly Buy Now Pay Later (BNPL) services, has significantly influenced students' consumption behavior by providing easier access to instant credit and flexible payment options. This research employs a quantitative approach using survey methods with a total sample of 374 respondents selected through proportional random sampling. Data were analyzed using multiple linear regression with SPSS to examine the relationship between the independent variables and the use of Shopee PayLater. The results show that Islamic financial literacy, lifestyle, and impulsive buying have a positive and significant effect on the use of Shopee PayLater. Among these variables, impulsive buying is identified as the most dominant factor influencing usage behavior. The findings indicate that students tend to use PayLater services to fulfill consumptive needs and follow modern lifestyle trends. Therefore, strengthening Islamic financial literacy is essential to encourage students to use PayLater services more wisely, avoid excessive debt, make responsible financial decisions, and manage their finances in accordance with Islamic principles.]]>
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