<![CDATA[Purpose: This study examines whether perceived security, perceived ease of use, and perceived usefulness predict usage decisions among current Shopee PayLater users. It clarifies that the outcome concerns users' reported decisions and engagement after adoption rather than initial adoption by non-users.Design/methodology/approach: A cross-sectional explanatory survey was conducted with 140 respondents who were at least 17 years old and had completed a Shopee PayLater transaction. Respondents were selected through purposive sampling and completed a five-point Likert questionnaire. The model was estimated using Partial Least Squares Structural Equation Modeling. The analysis uses 28 retained indicators. Convergent validity was assessed from standardized outer loadings and average variance extracted, while internal consistency was assessed using composite reliability calculated from the reported loadings.Findings: Perceived security positively predicted usage decision (beta = 0.465; t = 5.753; p < 0.001), followed by perceived ease of use (beta = 0.311; t = 3.740; p < 0.001) and perceived usefulness (beta = 0.205; t = 2.667; p = 0.008). The model explained 84.1% of the variance in usage decision (R-squared = 0.841; adjusted R-squared = 0.838). The reported outer loadings ranged from 0.725 to 0.892. Composite reliability and AVE calculated from these loadings exceeded conventional thresholds. However, discriminant validity and collinearity require confirmation from the original SmartPLS output before publication.Research Implications: The findings indicate that security perceptions are especially salient in digital-credit usage. Providers should combine visible data and transaction safeguards with an intuitive interface and clear functional benefits. Because the data are cross-sectional and non-probabilistic, the results are interpreted as predictive associations rather than definitive causal effects.]]>
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