Factors Influencing Impulsive Buying of Paylater User in Generation Z in Indonesia
Keywords:
Impulsive Buying, Paylater, Generation Z, Lifestyle, Financial Literacy
Abstract
This study examined the impact of pay-later use among Generation Z in Indonesia and provided important insights into the psychological effects of this phenomenon. Technological developments in the financial sector have led to a breakthrough: pay later, a payment method that defers payment until the end of the month. In terms of the system employed, it is very similar to credit card use. Pay later is a breakthrough for people who do not have credit cards. This study aims to assess the factors influencing impulsive buying when using pay-later payment plans. We conducted a linear regression analysis on 50 responses collected from an online survey using non-probability sampling. The findings highlight the psychological impact of lifestyle pressures and weak self-control, which can lead to feelings of regret and financial stress that affect mental well-being.
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References
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Ashby, R., Sharifi, S., Yao, J., & Ang, L. (2025). The influence of the buy-now-pay-later payment mode on
consumer spending decisions. Journal of Retailing, 101(1), 103–119.
Asja, H. J., Susanti, S., & Fauzi, A. (2021). Pengaruh manfaat, kemudahan, dan pendapatan terhadap minat
menggunakan paylater: Studi kasus masyarakat di DKI Jakarta. Jurnal Akuntansi, Keuangan, dan
Manajemen, 2(4), 309–325.
Bandura, A. (1991). Social cognitive theory of self-regulation. Organizational Behavior and Human Decision
Processes, 50(2), 248–287.
Buhrau, D., & Sujan, M. (2015). Temporal mindsets and self-regulation: The motivation and implementation of
self-regulatory behaviors. Journal of Consumer Psychology, 25(2), 231–244.
Cheumar, M. T., Hasanah, H., & Sudibyo, T. D. (2023). Analysis of paylater customer intentions in e-commerce
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hedonism style on financial management behavior of student Shopee Paylater users in Jember District.
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Universitas Mataram. Target: Jurnal Manajemen Bisnis, 4(1), 39–50.
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Indonesia. Negotium: Jurnal Ilmu Administrasi Bisnis, 6(1), 14–39. https://doi.org/10.29103/njiab.
v6i1.8248
Risukmasari, R. (2024). Analisis faktor-faktor yang mempengaruhi minat berbelanja konsumen pada
penggunaan fitur Shopee Pay Later. Jurnal Sosial Teknologi, 4(2), 101–108.
Rompas, R. C., Pangemanan, S., & Tulung, J. E. (2020). Buy now, pay later: Determinants of pay later service
affecting the lifestyle of society. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi,
8(4).
Sari, R. (2021). Pengaruh penggunaan paylater terhadap perilaku impulse buying pengguna e-commerce di
Indonesia. Jurnal Riset Bisnis Dan Investasi, 7(1), 44–57.
Safryani, U., Aziz, A., & Triwahyuningtyas, N. (2020). Analisis literasi keuangan, perilaku keuangan, dan
pendapatan terhadap keputusan investasi. Jurnal Ilmiah Akuntansi Kesatuan, 8(3), 319–332.
Waliszewski, K., Solarz, M., & Kubiczek, J. (2024). Factors influencing the use of Buy Now Pay Later (BNPL)
payments. Contemporary Economics, 18(4), 444.
Waluyo, W., Nurohman, Y. A., & Qurniawati, R. S. (2022). Buy now, pay later: Apakah paylater mempengaruhi
pembelian impulsif generasi muda Muslim? Among Makarti, 15(3).
Tversky, A., & Kahneman, D. (1974). Judgment under Uncertainty: Heuristics and Biases: Biases in judgments
reveal some heuristics of thinking under uncertainty. Science, 185(4157), 1124–1131.
179–211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-t
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. Action Control, 11–39. https://doi.org/
https://doi.org/10.1007/978-3-642-69746-3_2
Amelia, P. N., Fidiansa, P. A., & Risa, C. S. (2023, November). Fenomena penggunaan paylater di kalangan
mahasiswa. In Prosiding Seminar Nasional Ilmu Ilmu Sosial (SNIIS) (Vol. 2, pp. 176–187).
Angelista, F. D., Anggraini, L. D., & Putri, A. U. (2024). Pengaruh literasi keuangan, gaya hidup dan sikap
keuangan terhadap perilaku keuangan mahasiswa pengguna Shopee PayLater. Journal of Trends
Economics and Accounting Research, 4(3), 696–705.
Ashby, R., Sharifi, S., Yao, J., & Ang, L. (2025). The influence of the buy-now-pay-later payment mode on
consumer spending decisions. Journal of Retailing, 101(1), 103–119.
Asja, H. J., Susanti, S., & Fauzi, A. (2021). Pengaruh manfaat, kemudahan, dan pendapatan terhadap minat
menggunakan paylater: Studi kasus masyarakat di DKI Jakarta. Jurnal Akuntansi, Keuangan, dan
Manajemen, 2(4), 309–325.
Bandura, A. (1991). Social cognitive theory of self-regulation. Organizational Behavior and Human Decision
Processes, 50(2), 248–287.
Buhrau, D., & Sujan, M. (2015). Temporal mindsets and self-regulation: The motivation and implementation of
self-regulatory behaviors. Journal of Consumer Psychology, 25(2), 231–244.
Cheumar, M. T., Hasanah, H., & Sudibyo, T. D. (2023). Analysis of paylater customer intentions in e-commerce
with the planned behavior method theory approach. Al-Mashrof: Islamic Banking and Finance, 4(1), 1–22.
Eviana, V., & Saputra, A. J. (2022). Analisis faktor-faktor yang memengaruhi minat penggunaan sistem
pembayaran pay later. Jurnal Pendidikan Tambusai, 6(1), 1968–1977.
Fitriyah, N. W., & Nadlifatin, R. (2024). Behavioral factors of intention to use pay later services: A systematic
literature review. In E3S Web of Conferences (Vol. 501, p. 02010). EDP Sciences.
Feralda, M., Hafidzi, A. H., & Samsuryaningrum, I. P. (2023). The influence of financial attitude, self-control, and
hedonism style on financial management behavior of student Shopee Paylater users in Jember District.
Budapest International Research and Critics Institute Journal, 6(2), 1169–1182.
Ginting, N. M., & Bangun, B. (2022). Pengaruh gaya hidup dan persepsi konsumen terhadap keputusan
pembelian pada Store Urban Traffic Medan. Jurnal Ilmiah Akuntansi Keuangan dan Bisnis, 3(1), 114–125.
Hardhika, R. E. B. (2021). Pengalaman pengguna paylater mahasiswa di Surabaya. The Commercium, 4(2), 19
32.
Hilmi, L. D., & Pratika, Y. (2021). Paylater feature: Impulsive buying driver for e-commerce in Indonesia.
International Journal of Economics, Business and Accounting Research (IJEBAR), 5(2).
Husna, F. (2023). Get it fast, pay it later: Analysis of paylater features as a support of the Generation Z lifestyle.
Edueksos Jurnal Pendidikan Sosial & Ekonomi, 12(01).
Hursh, S. R. (1984). Behavioral economics. Journal of the Experimental Analysis of Behavior, 42(3), 435–452.
Hutagalung, A. I. (2023). Hubungan kontrol diri dengan impulsive buying pada mahasiswi pengguna e-commerce
Shopee.
Kamil, I., Ariani, M., & Irawan, I. A. (2024). The influence of lifestyle and financial literacy on online paylater
system and its impact on spending behavior. Journal of Economics and Business Letters, 4(2), 51–62
Mullainathan, S., & Thaler, R. H. (2000). Behavioral economics. National Bureau of Economic Research
Cambridge, Mass., USA.
Novarianty, T. A., & Hidayat, A. M. (2024). The effect of using paylater services on consumption patterns mediated
by personal money management in Generation Z. American Journal of Multidisciplinary Research and
Development, 6(07), 1–14.
Nurfitri, A. R., Dimyati, D., Winarsih, W., & Setyaningsih, E. (2025). Fenomena peningkatan penggunaan
paylater di Indonesia dan dampaknya terhadap perilaku masyarakat. Innovative: Journal of Social Science
Research, 5(2), 2963–2981.
Parameswari, R., & Ginny, P. L. (2022). The effect of pay-later payment methods on impulse purchases.
Primanomics: Jurnal Ekonomi & Bisnis, 20(2), 175–185.
Pratika, Y., Salahudin, S., Riyanto, D. W. U., & Ambarwati, T. (2020). Analysis of pay later payment system on
online shopping in Indonesia. Journal of Economics, Business, & Accountancy Ventura, 23(3), 329–339.
Prawira, M. H., Hamburgiwati, M., Ridwan, S., Prabowo, H., & Putranto, A. (2024, January). Analysis of the impact
of paylater payment method on online shopping impulsivity in Indonesia. In 2024 ASU International
Conference in Emerging Technologies for Sustainability and Intelligent Systems (ICETSIS) (pp. 1650–1655).
IEEE.
Rahima, P., & Cahyadi, I. (2022). Pengaruh fitur Shopee Paylater terhadap perilaku konsumtif mahasiswa
Universitas Mataram. Target: Jurnal Manajemen Bisnis, 4(1), 39–50.
Risma, S., & Sukmawati, C. (2023). Pengaruh price discount terhadap impulse buying pada aplikasi Shopee
Indonesia. Negotium: Jurnal Ilmu Administrasi Bisnis, 6(1), 14–39. https://doi.org/10.29103/njiab.
v6i1.8248
Risukmasari, R. (2024). Analisis faktor-faktor yang mempengaruhi minat berbelanja konsumen pada
penggunaan fitur Shopee Pay Later. Jurnal Sosial Teknologi, 4(2), 101–108.
Rompas, R. C., Pangemanan, S., & Tulung, J. E. (2020). Buy now, pay later: Determinants of pay later service
affecting the lifestyle of society. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi,
8(4).
Sari, R. (2021). Pengaruh penggunaan paylater terhadap perilaku impulse buying pengguna e-commerce di
Indonesia. Jurnal Riset Bisnis Dan Investasi, 7(1), 44–57.
Safryani, U., Aziz, A., & Triwahyuningtyas, N. (2020). Analisis literasi keuangan, perilaku keuangan, dan
pendapatan terhadap keputusan investasi. Jurnal Ilmiah Akuntansi Kesatuan, 8(3), 319–332.
Waliszewski, K., Solarz, M., & Kubiczek, J. (2024). Factors influencing the use of Buy Now Pay Later (BNPL)
payments. Contemporary Economics, 18(4), 444.
Waluyo, W., Nurohman, Y. A., & Qurniawati, R. S. (2022). Buy now, pay later: Apakah paylater mempengaruhi
pembelian impulsif generasi muda Muslim? Among Makarti, 15(3).
Tversky, A., & Kahneman, D. (1974). Judgment under Uncertainty: Heuristics and Biases: Biases in judgments
reveal some heuristics of thinking under uncertainty. Science, 185(4157), 1124–1131.
Published
2025-12-24
How to Cite
Tatiana, A., Wijaya, C., Adegea, D., Faizzah, D. A., Hakim, W., & Suhartanto, E. (2025). Factors Influencing Impulsive Buying of Paylater User in Generation Z in Indonesia. PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia, 8(2), 99-110. https://doi.org/10.21632/perwira.8.2.99-108
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Copyright (c) 2025 Anastasya Viviene Tatiana, Christopher Eric Wijaya, Dio Adegea, Dyah Ayu Nur Faizzah, William Hakim, Eko Suhartanto
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Written application must be made to the Managing Editor for permission to reproduce any of the contents of the journal for use in other than course of instruction e.g., inclusion in books of readings or in any other publications intended for general distribution. In consideration for the grant of permission by the journal in such instances, the applicant must notify the author(s) in writing of the intended use to be made of each reproduction. Normally, the journal will not access a charge for the waiver of copyright.
Except where otherwise noted in articles, the copyright of articles in the journal has been transferred to the PERWIRA. Where the author(s) has (have) not transferred the copyright to the PERWIRA, the applicant must seek a permission to reproduce (for all purpose) directly from the author(s).
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