<![CDATA[Purpose: This study aims to examine the effect of the e-payment system on impulsive payment based on information technology behavior among Generation Z, with attitude and satisfaction as mediating variables. Methodology/approach: This study employs a quantitative approach using a survey method. The sampling technique used purposive sampling. Data were collected through an online questionnaire, 170 questionnaire were collected from Generation Z respondents in Malang who have experience using QRIS for transactions. The sampling technique used purposive sampling. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test both direct and indirect relationships between variables. Findings: The results show that the e-payment system has a positive and significant effect on impulsive payment behavior, both directly and indirectly through attitude and satisfaction. In addition, attitude and satisfaction significantly influence impulsive payment and act as partial mediators in the relationship between the e-payment system and impulsive payment. Practical implications: Digital payment providers should improve system quality, including ease of use, speed, and security, to enhance user satisfaction and positive attitudes. Originality/value: Integrates attitude and satisfaction simultaneously within the S-O-R framework in the QRIS context.]]>
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