Analysis of Factors Affecting Generation Z's Intention in Using Shopee PayLater
DOI:
https://doi.org/10.21009/ISC-BEAM.011.29Keywords:
perceived ease of use, ability to pay, sales promotion, security, intention to use, paylaterAbstract
The purpose of this study is to examine the effect of several factors on generation Z's intention to use Shopee PayLater in the areas of Jakarta, Bogor, Depok, Tangerang, and Bekasi. Perceived ease of use, ability to pay, sales promotion, and security are among the factors observed. Data from a sample of the local generation Z population was gathered for this study through the use of survey methodologies. The study findings indicate that intention to use Shopee PayLater among Generation Z was positively and significantly impacted by factors such as security and sales promotion. However, no significant relationship or impact was found between the perceived ease of use and the intention to use Shopee PayLater, as well as between the ability to pay and the intention to use Shopee PayLater.
References
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Al Mutanafisa, T., & Retnaningsih. (2021). The Effect of Sales Promotion and Knowledge on Impulsive Buying of Online Platform Consumers. Journal of Consumer Sciences, 6(1), 77–91. https://doi.org/10.29244/jcs.6.1.77-91
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Budi, A. S. L., Efendi, E., & Dahesihsari, R. (2013). Perceived Usefulness as Key Stimulus to the Behavioral Intention to Use 3G Technology. ASEAN Marketing Journal, 3(2). https://doi.org/10.21002/amj.v3i2.2025
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Farizqi, A. I., Soleh, A., & Feblianssa, M. R. (2022). Faktor-faktor yang Mempengaruhi Minat Pengguna Shopee Pay Later di Bengkulu. 21–32.
Ginting, Y. M., Moses, A., Sinaga, R., & Nainggolan, R. D. (2022). SEIKO : Journal of Management & Business Analysis The Influence Of Digital Marketing, Product Differentiation, Customer Value, Service Quality To Purchase Decision And Repurchase Intention Of Millenial Generation At Shopee Online Shop. SEIKO : Journal of Management & Business, 4(3), 134–153. https://doi.org/10.37531/sejaman.v4i3.2527
Hibban, M. A., & Utami, F. N. (2022). The Effect of Perceived Ease of Use and Perceived Security to Intention to Use on Shopee Paylater in Jakarta. E-Proceeding of Management, 9(2), 1306–1312.
Ho, J. C., Wu, C. G., Lee, C. S., & Pham, T. T. T. (2020). Factors affecting the behavioral intention to adopt mobile banking: An international comparison. Technology in Society. https://www.sciencedirect.com/science/article/pii/S0160791X19307432
Immawati. S. A.. & Dadang. (2019). Minat Masyarakat Bertransaksi Menggunakan Financial Technology (Fintech) di Kota Tangerang. Simposium Nasional Multidisiplin. 1-8Investopedia. (2023, March 3). Buy Now, Pay Later (BNPL): What It Is, How It Works, Pros and Cons. https://www.investopedia.com/buy-now-pay-later-5182291Jagadhita, P. A. A., & Tjhin, V. U. (2023). The analysis of factors influencing intention to use pay later using technology acceptance model (TAM). Jurnal Cahaya Mandalika (JCM), 4(1), 467–479.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1–11. https://doi.org/10.37227/jibm-2020-2-21/
Kartika. (2023). Persepsi Kemudahan, Kemanfaatan Dan Kepercayaan Terhadap Minat Perilaku Menggunakan Aplikasi Shopee PayLater. Jurnal Ilmiah Fakultas Ekonomi Universitas Flores, 13(1), 01–15. https://doi.org/10.37478/als.v13i1.2502
Kasuma, J., Liyana, F., Sulaiman, A., & Sarpinah, B. (2020). Examining of Attitude of M-Commerce, Perceived Usefulness and Perceived Ease of Use towards Intention to Use M-Commerce: A Case of Grocery Shoppers in Kuching, Sarawak. Journal of Entrepreneurship and Business, 8(1). https://doi.org/10.17687/jeb.0801.06
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Lestari. S.. & Tri Indriana. K. (2020). Pengaruh Kemudahan Dan Keamanan Terhadap Kepuasan Konsumen Fintech (Studi Kasus Pada Pengguna Aplikasi DANA). Human Relations. 3(1). 1–8
Min, L. H., & Cheng, T. L. (2023). Consumers’ Intention to Use “Buy Now Pay Later” in Malaysia. Conference on Management, Business, Innovation, Education and Social Science, 3(1), 261–278.
Murpratiwi, O., Nugroho Teguh Benianto, & Sujoko. (2022). Analisis Kemudahan Melakukan Pembayaran, Ability To Pay Dan Kepatuhan Pembayaran Iuran Peserta Mandiri Jaminan Kesehatan Nasional: Studi Pada Peserta Mandiri Bpjs Kesehatan Kantor Cabang Magelang (2020. Jurnal Ekonomi, Bisnis Dan Manajemen, 1(4), 230–257. https://doi.org/10.58192/ebismen.v1i4.161
Nadia Suryani, & Fiska Kusumawati. (2023). The Influence of Service Features and Sales Promotions on Intention to Use Livin’ By Mandiri Application. Journal of Management and Energy Business, 3(1). https://doi.org/10.54595/jmeb.v3i1.32
Nathania, L., Indarini, & Anandya, D. (2021). The Effects of External Factors on Perceived Ease of Use, Perceived Usefulness, Attitude Towards Use, and Behavioral Intention of Older Adults in Indonesia. Proceedings of the 18th International Symposium on Management (INSYMA 2021), 180(Insyma), 152–156. https://doi.org/10.2991/aebmr.k.210628.025
Nagayo, V. A., Utami2, C. W., & Pujirahayu, Y. M. (2022). Pengaruh Promosi, Kemudahan Transaksi, Dan Kepercayaan Pada Pengguna Shopee Pay Later Terhadap Keputusan Pembelian. Jurnal Manajemen Dan Start-Up Bisnis, 7.
Olivia, M., & Marchyta, N. K. (2022). The Influence of Perceived Ease of Use and Perceived Usefulness on E-Wallet Continuance Intention. Jurnal Teknik Industri, 24(1), 13–22. https://doi.org/10.9744/jti.24.1.13-22
Pada, S., Gkii, J., Wira, K., & Sumba, W. (2021). Analisis Kemampuan Membayar Pinjaman Dana Ims (Studi Pada Jemaat Gkii Kamalapia). Transformatif, IX(1), 1–10.
Panjalu, D. A., & Mirati, E. (2022). Analisis Pengaruh Minat Pengguna Fitur PayLater pada Aplikasi Shopee. Prosiding SNAM PNJ.
Primadineska, R. W., & Jannah, S. M. (2021). Perceived Security and Trust in Electronic Payment Systems: How They Affect the Decision to Use EPS During the COVID-19 Pandemic. Jurnal Manajemen Bisnis, 12(2). https://doi.org/10.18196/mb.v12i2.11456
Qian, J., Xing, B., Zhang, B., & Yang, H. (2021). Optimizing QR code readability for curved agro-food packages using response surface methodology to improve mobile phone-based traceability. Food Packaging and Shelf Life, 28(February), 100638. https://doi.org/10.1016/j.fpsl.2021.100638
Ramkumar. M.. Schoenherr. T.. Wagner. S. M.. & Jenamani. M. (2019). Q-TAM: A quality technology acceptance model for predicting organizational buyers’ continuance intentions for e-procurement services. International Journal of Production Economics, 333–348.https://doi.org/10.1016/j.ijpe.2019.06.003
Raninda, R., Wisnalmawati, W., & Oetomo, H. (2022). Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Security, and Cashback Promotion on Behavioral Intention to the DANA E-Wallet. Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Renaldi, A., & Nurlinda, R. (2023). Pengaruh Hedonic Shopping Motivation dan Sales Promotion terhadap Impulse Buying melalui Positive Emotion. Journal of Advances in Digital Business and Entrepreneurship, 2(1), 46–61.
Sari. Z. M.. & Putu Prima Wulandari. (2019). Pengaruh Norma Subjektif. Perceived Behavioral Control dan Persepsi Keamanan terhadap MInat Masyarakat dalam Menggunakan Peer to Peer Landing (Studi Kasus pada Kota Malang). Jurnal Ilmiah Mahasiswa FEB Brawijaya, 7(2), 1-16.
Sati, R. A. S., & Ramaditya, M. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan Dan Persepsi Risiko Terhadap Minat Menggunakan E-Money (Studi Kasus Pada Konsumen Yang Menggunakan Metland Card). Management, 1–20.
Setiawan, A. A., Silaen, Y. E., Andreas, T., & Oktavia, T. (2022). Analysis of Intention to Use on Pay Later Payment System During COVID-19 Pandemic. International Journal of Emerging Technology and Advanced Engineering, 12(3), 119–129. https://doi.org/10.46338/IJETAE0322_14
Sholihah, N. R., Suharso, P., & Zulianto, M. (2023). Pemakaian Nyata Digital Saving Dengan Minat Sebagai. 19(2), 58–70.
Sugandi, E. A., Saberina, S., & Sarifiyono, A. P. (2023). The Role of Perceived Ease of Use and Customer Engagement In Influencing Behavioural Intention to Use Traveloka Paylater. International Journal of Business, Economics, and Social Development, 4(1), 38–44. https://doi.org/10.46336/ijbesd.v4i1.367
Agustin, L. (2022). Evaluation of Factors influencing the Shopee PayLater adoption in Indonesia. Management Science and Business Decisions, 2(2), 5–18. https://doi.org/10.52812/msbd.49
Aisyah, A. S., Afrida, N., & Harini, D. (2023). Analisis Pengaruh Promosi dan Harga Terhadap Keputusan Penggunaan Jasa Keuangan Shopee Paylater. Jurnal Riset Dan Inovasi Manajemen, 1(4), 01–12.
Al Mutanafisa, T., & Retnaningsih. (2021). The Effect of Sales Promotion and Knowledge on Impulsive Buying of Online Platform Consumers. Journal of Consumer Sciences, 6(1), 77–91. https://doi.org/10.29244/jcs.6.1.77-91
Andriansyah. W.. & Agung Winarno. (2019). Faktor Faktor yang Mempengaruhi Kesuksesan Pinjaman UMKM Melalui Peer to Peer Lending pada Lendingclub. EKOBIS-Ekonomi Bisnis, 24(1), 21-30.BCG. (2023, March 29). Indonesia’s Fintech Industry Is Ready to Rise. https://www.bcg.com/publications/2023/fintech-industry-indonesia-growth
Bregashtian, B., & S.E., M.M., CFP2, D. C. H. (2021). The Effect of Perceived Ease of Use, Usefulness and Risk on Intention to Use the Go-Food Application in Surabaya and Sidoarjo. KnE Social Sciences, 2021, 169–183. https://doi.org/10.18502/kss.v5i5.8807
Budi, A. S. L., Efendi, E., & Dahesihsari, R. (2013). Perceived Usefulness as Key Stimulus to the Behavioral Intention to Use 3G Technology. ASEAN Marketing Journal, 3(2). https://doi.org/10.21002/amj.v3i2.2025
Databoks. (2023, June 22). Banyak Konsumen Indonesia Pakai PayLater untuk Belanja dan Bayar Listrik. https://databoks.katadata.co.id/datapublish/2023/06/22/banyak-konsumen-indonesia-pakai-paylater-untuk-belanja-dan-bayar-listrik
DataIndonesia.id. (2022, January 20). 8 Paylater dengan Pengguna Terbanyak, Siapa Memimpin?https://dataindonesia.id/digital/detail/8-paylater-dengan-pengguna-terbanyak-siapa-memimpin
Farizqi, A. I., Soleh, A., & Feblianssa, M. R. (2022). Faktor-faktor yang Mempengaruhi Minat Pengguna Shopee Pay Later di Bengkulu. 21–32.
Ginting, Y. M., Moses, A., Sinaga, R., & Nainggolan, R. D. (2022). SEIKO : Journal of Management & Business Analysis The Influence Of Digital Marketing, Product Differentiation, Customer Value, Service Quality To Purchase Decision And Repurchase Intention Of Millenial Generation At Shopee Online Shop. SEIKO : Journal of Management & Business, 4(3), 134–153. https://doi.org/10.37531/sejaman.v4i3.2527
Hibban, M. A., & Utami, F. N. (2022). The Effect of Perceived Ease of Use and Perceived Security to Intention to Use on Shopee Paylater in Jakarta. E-Proceeding of Management, 9(2), 1306–1312.
Ho, J. C., Wu, C. G., Lee, C. S., & Pham, T. T. T. (2020). Factors affecting the behavioral intention to adopt mobile banking: An international comparison. Technology in Society. https://www.sciencedirect.com/science/article/pii/S0160791X19307432
Immawati. S. A.. & Dadang. (2019). Minat Masyarakat Bertransaksi Menggunakan Financial Technology (Fintech) di Kota Tangerang. Simposium Nasional Multidisiplin. 1-8Investopedia. (2023, March 3). Buy Now, Pay Later (BNPL): What It Is, How It Works, Pros and Cons. https://www.investopedia.com/buy-now-pay-later-5182291Jagadhita, P. A. A., & Tjhin, V. U. (2023). The analysis of factors influencing intention to use pay later using technology acceptance model (TAM). Jurnal Cahaya Mandalika (JCM), 4(1), 467–479.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1–11. https://doi.org/10.37227/jibm-2020-2-21/
Kartika. (2023). Persepsi Kemudahan, Kemanfaatan Dan Kepercayaan Terhadap Minat Perilaku Menggunakan Aplikasi Shopee PayLater. Jurnal Ilmiah Fakultas Ekonomi Universitas Flores, 13(1), 01–15. https://doi.org/10.37478/als.v13i1.2502
Kasuma, J., Liyana, F., Sulaiman, A., & Sarpinah, B. (2020). Examining of Attitude of M-Commerce, Perceived Usefulness and Perceived Ease of Use towards Intention to Use M-Commerce: A Case of Grocery Shoppers in Kuching, Sarawak. Journal of Entrepreneurship and Business, 8(1). https://doi.org/10.17687/jeb.0801.06
KataData. (2022, January 13). Survei KIC: Gen Z dan Milenial Pakai Paylater untuk Belanja Busana -Fintech Katadata.co.id. https://katadata.co.id/desysetyowati/digital/61e0ecf4b1b96/survei-kic-gen-z-dan-milenial-pakai-paylater-untuk-belanja-busana
Lestari. S.. & Tri Indriana. K. (2020). Pengaruh Kemudahan Dan Keamanan Terhadap Kepuasan Konsumen Fintech (Studi Kasus Pada Pengguna Aplikasi DANA). Human Relations. 3(1). 1–8
Min, L. H., & Cheng, T. L. (2023). Consumers’ Intention to Use “Buy Now Pay Later” in Malaysia. Conference on Management, Business, Innovation, Education and Social Science, 3(1), 261–278.
Murpratiwi, O., Nugroho Teguh Benianto, & Sujoko. (2022). Analisis Kemudahan Melakukan Pembayaran, Ability To Pay Dan Kepatuhan Pembayaran Iuran Peserta Mandiri Jaminan Kesehatan Nasional: Studi Pada Peserta Mandiri Bpjs Kesehatan Kantor Cabang Magelang (2020. Jurnal Ekonomi, Bisnis Dan Manajemen, 1(4), 230–257. https://doi.org/10.58192/ebismen.v1i4.161
Nadia Suryani, & Fiska Kusumawati. (2023). The Influence of Service Features and Sales Promotions on Intention to Use Livin’ By Mandiri Application. Journal of Management and Energy Business, 3(1). https://doi.org/10.54595/jmeb.v3i1.32
Nathania, L., Indarini, & Anandya, D. (2021). The Effects of External Factors on Perceived Ease of Use, Perceived Usefulness, Attitude Towards Use, and Behavioral Intention of Older Adults in Indonesia. Proceedings of the 18th International Symposium on Management (INSYMA 2021), 180(Insyma), 152–156. https://doi.org/10.2991/aebmr.k.210628.025
Nagayo, V. A., Utami2, C. W., & Pujirahayu, Y. M. (2022). Pengaruh Promosi, Kemudahan Transaksi, Dan Kepercayaan Pada Pengguna Shopee Pay Later Terhadap Keputusan Pembelian. Jurnal Manajemen Dan Start-Up Bisnis, 7.
Olivia, M., & Marchyta, N. K. (2022). The Influence of Perceived Ease of Use and Perceived Usefulness on E-Wallet Continuance Intention. Jurnal Teknik Industri, 24(1), 13–22. https://doi.org/10.9744/jti.24.1.13-22
Pada, S., Gkii, J., Wira, K., & Sumba, W. (2021). Analisis Kemampuan Membayar Pinjaman Dana Ims (Studi Pada Jemaat Gkii Kamalapia). Transformatif, IX(1), 1–10.
Panjalu, D. A., & Mirati, E. (2022). Analisis Pengaruh Minat Pengguna Fitur PayLater pada Aplikasi Shopee. Prosiding SNAM PNJ.
Primadineska, R. W., & Jannah, S. M. (2021). Perceived Security and Trust in Electronic Payment Systems: How They Affect the Decision to Use EPS During the COVID-19 Pandemic. Jurnal Manajemen Bisnis, 12(2). https://doi.org/10.18196/mb.v12i2.11456
Qian, J., Xing, B., Zhang, B., & Yang, H. (2021). Optimizing QR code readability for curved agro-food packages using response surface methodology to improve mobile phone-based traceability. Food Packaging and Shelf Life, 28(February), 100638. https://doi.org/10.1016/j.fpsl.2021.100638
Ramkumar. M.. Schoenherr. T.. Wagner. S. M.. & Jenamani. M. (2019). Q-TAM: A quality technology acceptance model for predicting organizational buyers’ continuance intentions for e-procurement services. International Journal of Production Economics, 333–348.https://doi.org/10.1016/j.ijpe.2019.06.003
Raninda, R., Wisnalmawati, W., & Oetomo, H. (2022). Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Security, and Cashback Promotion on Behavioral Intention to the DANA E-Wallet. Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Renaldi, A., & Nurlinda, R. (2023). Pengaruh Hedonic Shopping Motivation dan Sales Promotion terhadap Impulse Buying melalui Positive Emotion. Journal of Advances in Digital Business and Entrepreneurship, 2(1), 46–61.
Sari. Z. M.. & Putu Prima Wulandari. (2019). Pengaruh Norma Subjektif. Perceived Behavioral Control dan Persepsi Keamanan terhadap MInat Masyarakat dalam Menggunakan Peer to Peer Landing (Studi Kasus pada Kota Malang). Jurnal Ilmiah Mahasiswa FEB Brawijaya, 7(2), 1-16.
Sati, R. A. S., & Ramaditya, M. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan Dan Persepsi Risiko Terhadap Minat Menggunakan E-Money (Studi Kasus Pada Konsumen Yang Menggunakan Metland Card). Management, 1–20.
Setiawan, A. A., Silaen, Y. E., Andreas, T., & Oktavia, T. (2022). Analysis of Intention to Use on Pay Later Payment System During COVID-19 Pandemic. International Journal of Emerging Technology and Advanced Engineering, 12(3), 119–129. https://doi.org/10.46338/IJETAE0322_14
Sholihah, N. R., Suharso, P., & Zulianto, M. (2023). Pemakaian Nyata Digital Saving Dengan Minat Sebagai. 19(2), 58–70.
Sugandi, E. A., Saberina, S., & Sarifiyono, A. P. (2023). The Role of Perceived Ease of Use and Customer Engagement In Influencing Behavioural Intention to Use Traveloka Paylater. International Journal of Business, Economics, and Social Development, 4(1), 38–44. https://doi.org/10.46336/ijbesd.v4i1.367
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Published
2024-02-21
How to Cite
Cindy, V. D., Nurshinta, & Usman, O. . (2024). Analysis of Factors Affecting Generation Z’s Intention in Using Shopee PayLater. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), 1(1), 420–439. https://doi.org/10.21009/ISC-BEAM.011.29
