Analisis Sikap Keuangan, Gaya Hidup Konsumtif, Financial Self Control Terhadap Niat Menggunakan PaylaterPada Generasi Z Pengguna E-Commerce
DOI:
https://doi.org/10.33751/jmp.v14i02.217Keywords:
Financial attitude, consumptive lifestyle, financial self-control, intention to use paylater, Generation Z, e-commerce.Abstract
This study aims to analyze the influence of financial attitude (X₁), consumptive lifestyle (X₂), and financial self-control (X₃) on the intention to use paylater (Y) among Generation Z e-commerce users. This research adopts a quantitative approach using a survey method through the distribution of questionnaires to Generation Z respondents who actively use e-commerce platforms and paylater services. The sampling technique employed was purposive sampling. Data were analyzed using the Structural Equation Modeling Partial Least Squares (SEM-PLS) approach, which includes outer model testing, inner model testing, and hypothesis testing through path coefficients. The results indicate that financial attitude has a significant effect on the intention to use paylater, consumptive lifestyle has a significant effect on the intention to use paylater, and financial self-control has a significant effect on the intention to use paylater among Generation Z e-commerce users. These findings suggest that psychological-financial factors and consumption behavior play a crucial role in shaping the intention to use digital financial services, particularly paylater. Practically, the findings are expected to serve as a foundation for paylater service providers, e-commerce platforms, regulators, and educational institutions in formulating policies, digital financial literacy strategies, and sustainable financial management education for Generation Z, so that the use of paylaterservices can be carried out in a more prudent, healthy, and responsible manner.
Keywords: Financial attitude, consumptive lifestyle, financial self-control, intention to use paylater, Generation Z, e-commerce.
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