Pengaruh Literasi Keuangan, Kontrol Diri dan Gaya Hidup terhadap Keputusan Penggunaan PayLater Dikalangan Mahasiswa
Keywords:
Financial Literacy, Self-Control, Lifestyle, Decision To Use PayLaterAbstract
The development of financial technology (fintech) has encouraged the emergence of various digital credit services, one of which is PayLater or Buy Now Pay Later (BNPL). PayLater provides convenience for users to make purchases first and pay for them at a later time, making it highly popular among university students as a group actively engaged in digital transactions. This study aims to analyze the influence of financial literacy, self-control, and lifestyle on the decision to use PayLater among university students in Jember Regency. Data analysis was conducted using multiple linear regression. The sample was determined using the Slovin formula and selected through a stratified random sampling method, resulting in 398 student respondents in Jember Regency. The results of the study indicate that financial literacy, self-control, and lifestyle have a significant influence on the decision to use PayLater. Students with better financial understanding tend to use PayLater more wisely. In addition, the ability to control oneself influences students in considering the use of PayLater to avoid excessive usage. On the other hand, modern lifestyles and the convenience of digital transactions encourage students to use PayLater as a practical and flexible payment alternative.
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