<![CDATA[The rapid expansion of PayLater services has increased financial flexibility among young consumers while also raising concerns about risky credit behavior, particularly among Generation Z employees. This study aimed to describe risky credit behavior among Gen Z employees who use PayLater services in Sukabumi City and to identify behavioral differences based on gender. A descriptive quantitative approach was applied to 152 Gen Z employees selected as respondents. Data were collected through structured questionnaires measuring two dimensions: risky borrowing behavior and risky payment behavior. The findings revealed that respondents demonstrated notable risky borrowing patterns, including using PayLater without adequately considering repayment capacity (score 58.16), purchasing unnecessary items due to transaction convenience (56.84), and being strongly influenced by large discount offers (68.29). Risky payment behavior was also identified through late bill payments (55.00) and limited consideration of penalties resulting from delayed payments (55.39). Gender differences were observed, with women generally showing higher tendencies toward risky borrowing and greater disregard for late-payment penalties, whereas men demonstrated slightly higher tendencies for delayed payments. These findings indicate that convenience, promotional incentives, impulsive consumption behavior, and weak repayment discipline contribute to risky PayLater usage. The study concluded that strengthening financial literacy, improving self-control, and establishing clearer consumer protection mechanisms are necessary to encourage healthier credit behavior among Gen Z employees.]]>
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