Pengaruh Gaya Hidup Hedonisme Dan Perilaku Konsumtif Terhadap Penggunaan Paylater Di Kalangan Generasi Z: The Influence of Hedonism Lifestyle and Consumptive Behavior on Paylater Use Among Generation Z

Anindya Octaviani (Universitas Bina Sarana Informatika)
Usran Masahere (Universitas Bina Sarana Informatika)

JMAEKA: Jurnal Manajemen Ekonomi Akuntansi
Vol 3 No 1 (2026): Desember 2026 - Februari 2027

Financial technology development has encouraged the emergence of digital payment services, including Paylater, which allows users to buy now and pay later. This study examines the effects of hedonistic lifestyle and consumptive behavior on Paylater usage among Generation Z, both partially and simultaneously. A quantitative survey was conducted involving 100 Generation Z respondents. Data were analyzed using SPSS version 26 through validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The results show that hedonistic lifestyle has a positive and significant effect on Paylater usage. Consumptive behavior also has a positive and significant effect on Paylater usage. Simultaneously, both variables have a positive and significant effect on Paylater usage.