What drives financial management behavior among gen Z BNPL users? Financial attitude as mediator

Munir Nur Komarudin (Universitas Kuningan)
Nurul Siti Jahidah (Universitas Kuningan)
Fauziyah Adzimatinur (Universitas Kuningan)
Dodi Dodi (Universitas Kuningan)
Windy Nur Salsabilla (Universitas Kuningan)

MABIS: Manajemen dan Bisnis
Vol 25, No 3 (2026): November 2026 (Online First)

Buy Now Pay Later (BNPL) is a growing trend among Gen Z consumers, with implications for their financial management that have raised concerns. This research explores how financial attitude mediates the connection between financial literacy, ease of use, and lifestyle, impacting the financial management behaviors of Generation Z users of Shopee PayLater in Kuningan Regency, Indonesia. A sample of 115 participants was selected using non-probability purposive sampling, and the data were analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings highlight that both financial literacy and lifestyle positively influence financial attitude, whereas the ease of use negatively affects financial attitude. Financial literacy, PayLater ease of use, and financial management behavior are positively correlated, while lifestyle exhibits a negative correlation. Financial attitude is essential in all three preliminary relationships and helps financial management. The results emphasize the importance of Financial Literacy, PayLater Ease of Use, and Lifestyle on Financial Management Behavior. These findings have practical implications for targeted interventions by the OJK, fintech companies, and educational institutions to improve financial attitude among young digital credit users.