Analisis Perilaku Keuangan Mahasiswa Dalam penggunaan fitur Paylater pada E-commerce

Linda Agustina (a:1:{s:5:"en_US"s:22:"UPN VETERAN JAWA TIMUR"})

Proceeding Seminar Nasional Riset Terapan Administrasi Bisnis dan Mice (SNRT)
Vol. 15 No. 01 (2026): SNRT XV TAHUN 2026

This study evaluates the operational mechanics of digital financial instruments, specifically PayLater features within e-commerce networks, and their direct influence on student financial behavior. Utilizing a rigorous quantitative approach via Structural Equation Modeling (SEM-PLS), data were processed to understand how cognitive and psychological constraints filter external commercial stimuli. The findings demonstrate that internal self-regulation dynamic acts as the primary barrier against systematic overspending, outperforming generic financial knowledge indexes. The study details specific behavioral patterns emerging from continuous digital credit exposure among young consumer cohorts.