<![CDATA[Purpose: This study examines whether peer influence and consumptive lifestyle are associated with students' decisions to use Shopee PayLater and interprets the findings through an Islamic consumer behavior perspective. The Islamic lens adds analytical leverage by examining whether social and consumption-related behavior is consistent with moderation (wasathiyyah), avoidance of israf and tabdzir, and the pursuit of maslahah. The study does not assess the Sharia compliance or legal status of Shopee PayLater.Design/Methodology: The study employed an explanatory quantitative design involving 100 active students of Politeknik Negeri Banjarmasin who had used Shopee PayLater, selected through non-probability purposive sampling based on the inclusion criteria described in the Method section. Primary data were collected through a structured questionnaire using a five-point Likert scale. The instrument consisted of five peer-influence items, four consumptive-lifestyle items, and five use-decision items. Data were analyzed with IBM SPSS Statistics 26 using validity and reliability tests, classical assumption tests, multiple linear regression, partial t-tests, and simultaneous F-tests, complemented by a common method bias check (Harman's single-factor test).Findings: Peer influence had a positive and significant relationship with the decision to use Shopee PayLater (B = 0.397; t = 4.568; p < 0.001), while consumptive lifestyle also had a positive and significant relationship (B = 0.365; t = 4.201; p < 0.001). Jointly, the predictors were significant (F = 36.209; p < 0.001). The model explained 41.6% of the variance in use decisions based on adjusted R².Practical Implications: The findings suggest that digital financial education should address both social influence and consumption tendencies. From an Islamic economic perspective, education should emphasize moderation, avoidance of excessive consumption, responsible debt management, and consideration of maslahah in financial decisions.Originality/Value: The study contributes beyond the vocational-student context by jointly modeling peer influence and consumptive lifestyle as behavioral predictors of an already-experienced PayLater use decision and by interpreting the same empirical relationships through an Islamic consumer behavior synthesis. Specifically, israf and tabdzir provide criteria for identifying excess and waste, while maslahah adds a welfare-oriented criterion for evaluating the consequences of deferred-payment decisions. The study does not determine Sharia compliance; it evaluates behavioral implications using Islamic consumer ethics]]>
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