Pengaruh Literasi Keuangan Digital dan Persepsi Kemudahan Dalam Bertransaksi Terhadap Keputusan Penggunaan Paylater Pada Generasi Z di Kota Tangerang: The Influence of Digital Financial Literacy and the Perception of Ease of Transaction on Paylater Use Decisions In Generation Z in Tangerang City

Devinda Nur Syaharani (Universitas Bina Sarana Informatika)
Ratih Hastasari (Universitas Bina Sarana Informatika)
Wawan Saputra (Universitas Bina Sarana Informatika)

JURNAL MANAJEMEN DAN AKUNTANSI CAKRAWARTI
Vol. 1 No. 3 (2026): Oktober 2026 - Desember 2026

The rapid development of digital technology has increased the use of Paylater services in e-commerce transactions, particularly among Generation Z. The convenience and flexibility offered by Paylater have made it increasingly popular. This study aims to analyze the influence of Digital Financial Literacy and Perceived Ease of Transaction on Paylater Usage Decisions among Generation Z in Tangerang City, both partially and simultaneously. This study employed a quantitative method with descriptive and verificative approaches. The sample consisted of 160 respondents selected using purposive sampling. Data were collected through an online questionnaire and analyzed using multiple linear regression with SPSS version 27. The results indicate that Digital Financial Literacy has a positive and significant effect on Paylater Usage Decisions (t = 4.463; sig. = 0.000). Perceived Ease of Transaction also has a positive and significant effect on Paylater Usage Decisions (t = 3.686; sig. = 0.000). Simultaneously, both variables significantly affect Paylater Usage Decisions (F = 42.436; sig. = 0.000), with an Adjusted R Square value of 0,343. Therefore, Digital Financial Literacy and Perceived Ease of Transaction have a positive and significant influence on Paylater Usage Decisions among Generation Z in Tangerang City.