Exploring Factors Influencing Gen Z's Paylater Usage Intention and Its Impact on Impulsive Buying

The advancement of technology and information has been a key driver for the progress of financial technology (fintech), such as paylater services. In the Jabodetabek area, paylater transactions have been consistently increasing each year. Generation Z, or Gen Z, constitutes the second-largest user group for this payment method and is expected to become the most active group in financial expenditures in the coming years. This study aims to examine the factors influencing the decisions of Gen Z residents in the Jabodetabek area to use paylater for purchases. The study combines the TAM and UTAUT models to analyze the intention to use paylater and impulsive buying behavior. This research employs a quantitative method, where data was collected through online questionnaires completed by 219 paylater users and analyzed using SmartPLS and SPSS. The research results indicate a positive and significant relationship between Perceived Usefulness (X1), Perceived Ease of Use (X2), Perceived Security (X3), Social Influence (X4), and Intention to Use paylater (Z). Additionally, the study reveals a positive and significant relationship between Intention to Use paylater (Z) and Impulsive Buying (Y) among Gen Z residents in the Jabodetabek area The advancement of technology and information has been a key driver for the progress of financial technology (fintech), such as paylater services. In the Jabodetabek area, paylater transactions have been consistently increasing each year. Generation Z, or Gen Z, constitutes the second-largest user group for this payment method and is expected to become the most active group in financial expenditures in the coming years. This study aims to examine the factors influencing the decisions of Gen Z residents in the Jabodetabek area to use paylater for purchases. The study combines the TAM and UTAUT models to analyze the intention to use paylater and impulsive buying behavior. This research employs a quantitative method, where data was collected through online questionnaires completed by 219 paylater users and analyzed using SmartPLS and SPSS. The research results indicate a positive and significant relationship between Perceived Usefulness (X1), Perceived Ease of Use (X2), Perceived Security (X3), Social Influence (X4), and Intention to Use paylater (Z). Additionally, the study reveals a positive and significant relationship between Intention to Use paylater (Z) and Impulsive Buying (Y) among Gen Z residents in the Jabodetabek area