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Ulumuddin : Jurnal Ilmu-ilmu Keislaman
Published by Universitas Cokroaminoto Yogyakarta
ISSN : 19072333     EISSN : 26859211     DOI : -
Core Subject : Humanities, Education, Social,
Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other
Jurnal Ulumuddin is a medium of diffusion and exchange of the up to date information on the research findings on Islamic Studies in Indonesian context. It covers various perspectives of humanities and social sciences, with special interest on Islamic education and law of muslim societies as the main focuses and scopes.
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Articles 191 Documents
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Fiqh Muamalah Analysis of Paylater Systems: Behavioral Control, Impulse Buying, and Sharia Compliance Najma Taralia Farah; Afdawaiza Afdawaiza; Ahmad Sarjon Razik; Abdullah Ali Al Makky; Dind Ibra Benign Sajid
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 16 No 1 (2026): Ulumuddin: Jurnal Ilmu-Ilmu Keislaman
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v16i1.3612

Abstract

The rise of paylater as a dominant payment feature in Indonesian e-commerce and e-wallet platforms has triggered notable shifts in how consumers make purchase decisions. This study explores, through a qualitative literature approach, how paylater weakens behavioral control particularly perceived behavioral control within the Theory of Planned Behavior and accelerates impulse buying tendencies. When payment friction is reduced to a single tap, the psychological cost of spending diminishes, making unplanned purchases feel deceptively rational. Findings further indicate that impulse buying, when paired with satisfying post-purchase experiences, mediates repurchase intention. However, this cycle is fragile post-purchase regret can just as easily sever platform loyalty. From an Islamic economic lens, paylater raises unresolved concerns regarding transparency, interest-like penalties, and the promotion of israf. The study concludes that the behavioral consequences of financial technology design deserve more critical attention.

Page 20 of 20 | Total Record : 191

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