Determinants of Impulse Buying in Buy Now Pay Later Users
Keywords:
Financial Socialization; Financial Literacy ; Financial Self-Efficacy; Impulse Buying; Pay LaterAbstract
This research aims to gain new knowledge and analyze the effect of financial socialization, financial literacy, and financial self-efficacy on Pay Later users. This study also examines the mediating role of financial self-efficacy between financial socialization and impulse buying among Pay Later users. This research was conducted among the Millennial Generation and Generation Z over eight months, from October 2023 to June 2024. The method used is a questionnaire survey with a population of Millennials and Generation Z who use Pay Later. The sampling technique employed is the convenience sampling method, using the Cochran formula to select 143 respondents. The research analysis technique uses Structural Equation Modeling (SEM) with Analysis of Moment Structures (AMOS) software. The purpose of using this application is to measure the levels of validity and reliability by combining the variables in the study.
References
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Aulia, T. N., Suryadi, E., & Safitri, H. (2023). Pengaruh Penggunaan E-Wallet dan Literasi Keuangan Terhadap Perilaku Pembelian Impulsif. Owner, 7(3), 2010–2020. https://doi.org/10.33395/owner.v7i3.1601
Baiq Fitri Arianti, & Khoirunnisa Azzahra. (2020). Faktor - Faktor Yang Mempengaruhi Literasi Keuangan : Studi Kasus UMKM Kota Tangerang Selatan. Jurnal Manajemen Dan Keuangan, 9(2), 156–171. https://doi.org/10.33059/jmk.v9i2.2635
Bandura, A. (1977). Self-efficacy: toward a unifying theory of behavioral change. Psychological Review, 84(2), 191.
Bandura, A. (1986). The explanatory and predictive scope of self-efficacy theory. Journal of Social and Clinical Psychology, 4(3), 359–373.
Bandura, A., Weiner, I. B., & Craighead, W. E. (2010). The Corsini encyclopedia of psychology. Published Online, 30.
Bayley, G., & Nancarrow, C. (1998). Impulse purchasing: a qualitative exploration of the phenomenon. Qualitative Market Research: An International Journal, 1(2), 99–114.
CHONG, K. F., SABRI, M. F., MAGLI, A. S., ABD RAHIM, H., MOKHTAR, N., & OTHMAN, M. A. (2021). The effects of financial literacy, self-efficacy and self-coping on financial behavior of emerging adults. The Journal of Asian Finance, Economics and Business, 8(3), 905–915.
Dai, R. M., Kostini, N., & Tresna, P. W. (2021). The Influence of Financial Attitude and Financial literacy on Behavioral Finance: A Study on Leading Small and Medium Enterprises in Cimahi City, Indonesia. Review of Integrative Business and Economics Research, 10(1), 322–329.
Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Journal of Financial Counseling and Planning, 5, 127–149.
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of financial literacy and use of financial technology on financial satisfaction through financial behavior. International Journal of Education and Literacy Studies, 9(1), 86–95.
Ghosh, S., & V. (2017). What constrains financial inclusion for women? Evidence from Indian Micro data. World Development.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265.
Gudmunson, C. G., & Danes, S. M. (2011). Family Financial Socialization: Theory and Critical Review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. (2019). The Great Facilitator. In The Great Facilitator. https://doi.org/10.1007/978-3-030-06031-2_1
Hestin Utari, P. (2024). Pengguna Paylater di Indonesia 13,4 Juta Orang, Jawa Barat Terbanyak. Bisnis.Com. https://finansial.bisnis.com/read/20240307/563/1747467/pengguna-paylater-di-indonesia-134-juta-orang-jawa-barat-terbanyak
Jennifer, J., & Pamungkas, A. S. (2021). Pengaruh self control, financial literacy dan parental socialization terhadap saving behavior. Jurnal Manajerial Dan Kewirausahaan, 3(1), 8–15.
Katauke, T., Fukuda, S., Khan, M. S. R., & Kadoya, Y. (2023). Financial Literacy and Impulsivity: Evidence from Japan. Sustainability (Switzerland), 15(9), 1–14. https://doi.org/10.3390/su15097267
Kenny, K. (2020). Faktor-Faktor Yang Mempengaruhi Perilaku Menabung Pada Mahasiswa Di Kota Batam. Conference on Business, Social Sciences and Innovation Technology, 1(1), 10–22.
Kuhnen, C. M., & Melzer, B. T. (2018). Noncognitive abilities and financial delinquency: The role of self‐efficacy in avoiding financial distress. The Journal of Finance, 73(6), 2837–2869.
Lee, T., Park, C., & Jun, J. (2014). Two faces of mobile shopping: Self-efficacy and impulsivity. International Journal of E-Business Research, 10(1), 15–32. https://doi.org/10.4018/ijebr.2014010102
Lestari, F. A. (2017). Rusdarti.(2017). Pengaruh Lingkungan Keluarga dan Pengendalian Diri Terhadap Perilaku Keuangan dengan Literasi Keuangan Sebagai Variabel Intervening. Economic Education Analysis Journal, 3(1), 1–10.
Liu, L., & Zhang, H. (2021). Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit. Journal of Behavioral and Experimental Finance, 32, 100569. https://doi.org/10.1016/j.jbef.2021.100569
Lusardi, A., & Mitchell, O. S. (2014). The Importance of Financial Literacy: Opening a New Field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137
MH, N., & Chaniago, H. (2017). Faktor Penentu Perilaku Impulsive Buying Pada Fashion Business Di Kota Bandung. Jurnal Riset Bisnis Dan Investasi, 2(3), 121–133. https://doi.org/10.35313/jrbi.v2i3.97
Nabavi, R., & Bijandi, M. (n.d.). Bandura ’ s social learning theory y social cognitive learning theory razieh tadayon nabavi. Theories of Developmental Psychology, January 2012, 24. https://www.researchgate.net/profile/Nuha-Taher/publication/356129244_Bandura’s_Social_Learning_Theory_Social_Cognitive_Learning_Theory_by_Razieh_Tadayon_Nabavi_Translation_By_Nuha_hamid_taher/links/618cec2f3068c54fa5cdd986/Banduras-Social-Learning-Theory
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (case study at Padjadjaran University students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Noor, N., Batool, I., & Arshad, H. M. (2020). Financial literacy, financial self-efficacy and financial account ownership behavior in Pakistan. Cogent Economics and Finance, 8(1). https://doi.org/10.1080/23322039.2020.1806479
Novendra, B., & Aulianisa, S. S. (2020). Konsep dan Perbandingan Buy Now, Pay Later. Rechtsvinding, 9(2), 183–201. https://sikapiuangmu.ojk.go.id/
Novina, P. (2023). Anak Muda Terjerat Pay Later Makin Marak, Ini Data Terbarunya. CNBC Indonesia. https://www.cnbcindonesia.com/tech/20230910143130-37-471096/anak-muda-terjerat-pay-later-makin-marak-ini-data-terbarunya
Oaten, M., & Cheng, K. (2007). Improvements in self-control from financial monitoring. Journal of Economic Psychology, 28(4), 487–501. https://doi.org/10.1016/j.joep.2006.11.003
Qomariyah, A., Qibtiyah, G. A., Andesita, F., & Bemby, W. (2022). Financial Literacy, Impulsive Buying Behavior, and the Z-Gen. Review of Integrative Business and Economics Research, 11(2), 164–178. https://www.proquest.com/scholarly-journals/financial-literacy-impulsive-buying-behavior-z/docview/2717879119/se-2
Ratnaningsih, Y. R., & El Halidy, A. (2022). Pengaruh Fomo, Kesenangan Berbelanja Dan Motivasi Belanja Hedonis Terhadap Keputusan Pembelian Tidak Terencana Di E-Commerce Shopee Pada Waktu Harbolnas. Eqien-Jurnal Ekonomi Dan Bisnis, 11(03), 1477–1487.
Riaz, S., Khan, H. H., Sarwar, B., Ahmed, W., Muhammad, N., Reza, S., & Ul Haq, S. M. N. (2022). Influence of Financial Social Agents and Attitude Toward Money on Financial Literacy: The Mediating Role of Financial Self-Efficacy and Moderating Role of Mindfulness. SAGE Open, 12(3). https://doi.org/10.1177/21582440221117140
Rodrigues, R. I., Lopes, P., & Varela, M. (2021). Factors affecting impulse buying behavior of consumers. Frontiers in Psychology, 12, 697080.
Rook, D. W. (1987). The buying impulse. Journal of Consumer Research, 14(2), 189–199.
Rudi, J. H., Serido, J., & Shim, S. (2020). Unidirectional and bidirectional relationships between financial parenting and financial self-efficacy: Does student loan status matter? Journal of Family Psychology, 34(8), 949.
Rumayya, F. R. S., Wahyuni, E., Rohman, M. S., Arini, H. R. B., & Agusti, K. S. (2020). Persepsi Pasar Terhadap Pemanfaatan Fitur Pembayaran Paylater-Laporan Penelitian. Research Institute of Socio-Economic Development, 1–43.
Sharma, P., Sivakumaran, B., & Marshall, R. (2010). Impulse buying and variety seeking: A trait-correlates perspective. Journal of Business Research, 63(3), 276–283.
Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470. https://doi.org/10.1007/s10964-009-9432-x
Sibuea, Raymond, Umi Widyastuti, A. M. M. (2023). Determinants of Impulsive Buying on Compulsive Buying in E-Commerce: a Study on College Students in Jabodetabek. International Journal of Current Economics & Business Ventures, 4(1), 20–38. https://scholarsnetwork.org/journal/index.php/ijeb
Sirsch, U., Zupančič, M., Poredoš, M., Levec, K., & Friedlmeier, M. (2020). Does parental financial socialization for emerging adults matter? The case of Austrian and Slovene first-year university students. Emerging Adulthood, 8(6), 509–520.
Sofian, N. A. (2021). Socialization Factors Influencing on the Impulsive Buying Behavior of Mathematics E-Book for Disability Student. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(3), 2418–2426.
Sosianika, A., & Juliani, N. (2017). A study of the implusive buying behavior comparasionbased on consumer’s characteristics. Sigma-Mu, 9, 9–18.
Sugiono, B. P., & Tobing, R. (2022). Pengaruh Hedonic Motivation, Cool Motivation dan Socialization Motivation Terhadap Impulsive Buying (Studi Kasus pada Remaja di Kota Maros). Jurnal Manajemen Dan Bisnis Madani, 4(2), 24–45. https://doi.org/10.51353/jmbm.v4i2.643
Suharyanto, A. (2019). Pengaruh Efisiensi dan Motivasi Kerja terhadap Kinerja Karyawan Melalui Sistem E-Procurement Sebagai Variabel Intervening. Manajerial, 6(2), 68. https://doi.org/10.30587/manajerial.v6i2.922
Surya, N., & Evelyn, E. (2023). Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater. Jurnal Manajemen Dan Keuangan, 12(1), 37–60.
Udayanthi, N. O., Herawati, N. T., & Julianto, I. P. (2018). Pengaruh Literasi Keuangan, Kualitas Pembelajaran dan Pengendalian Diri Terhadap Perilaku Konsumtif (Studi Empiris pada Mahasiswa Jurusan Akuntansi Program S1 Universitas Pendidikan Ganesha). JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 9(2).
Watang, K. C. C., & Miswanto, M. (2022). Mood Management as Mediator in Consumer Motivation and Impulsive Buying Relationship. KINERJA, 26(1), 137–150.
Aisjah, S. (2024). Intention to use buy-now-pay-later payment system among university students: a combination of financial parenting, financial self-efficacy, and social media intensity. Cogent Social Sciences, 10(1). https://doi.org/10.1080/23311886.2024.2306705
Albeerdy, M. I., & Gharleghi, B. (2015). Determinants of the financial literacy among college students in Malaysia. International Journal of Business Administration, 6(3), 15–24.
Asosiasi Fintech Indonesia. (2019). Handbook Fintech untuk Keuangan Pribadi. Jakarta: Asosiasi Fintech Indonesia. https://scholar.google.com/scholar?hl=id&as_sdt=0%2C5&q=Handbook+Fintech+untuk+Keuangan+Pribadi+&btnG=
Atari, R., & Soleha, E. (2023). Pengaruh Financial Literacy, Lotus of Control, dan Self Efficacy terhadap Financial Behavior. JPEKA: Jurnal Pendidikan Ekonomi, Manajemen Dan Keuangan, 7(1), 1–17.
Aulia, T. N., Suryadi, E., & Safitri, H. (2023). Pengaruh Penggunaan E-Wallet dan Literasi Keuangan Terhadap Perilaku Pembelian Impulsif. Owner, 7(3), 2010–2020. https://doi.org/10.33395/owner.v7i3.1601
Baiq Fitri Arianti, & Khoirunnisa Azzahra. (2020). Faktor - Faktor Yang Mempengaruhi Literasi Keuangan : Studi Kasus UMKM Kota Tangerang Selatan. Jurnal Manajemen Dan Keuangan, 9(2), 156–171. https://doi.org/10.33059/jmk.v9i2.2635
Bandura, A. (1977). Self-efficacy: toward a unifying theory of behavioral change. Psychological Review, 84(2), 191.
Bandura, A. (1986). The explanatory and predictive scope of self-efficacy theory. Journal of Social and Clinical Psychology, 4(3), 359–373.
Bandura, A., Weiner, I. B., & Craighead, W. E. (2010). The Corsini encyclopedia of psychology. Published Online, 30.
Bayley, G., & Nancarrow, C. (1998). Impulse purchasing: a qualitative exploration of the phenomenon. Qualitative Market Research: An International Journal, 1(2), 99–114.
CHONG, K. F., SABRI, M. F., MAGLI, A. S., ABD RAHIM, H., MOKHTAR, N., & OTHMAN, M. A. (2021). The effects of financial literacy, self-efficacy and self-coping on financial behavior of emerging adults. The Journal of Asian Finance, Economics and Business, 8(3), 905–915.
Dai, R. M., Kostini, N., & Tresna, P. W. (2021). The Influence of Financial Attitude and Financial literacy on Behavioral Finance: A Study on Leading Small and Medium Enterprises in Cimahi City, Indonesia. Review of Integrative Business and Economics Research, 10(1), 322–329.
Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Journal of Financial Counseling and Planning, 5, 127–149.
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of financial literacy and use of financial technology on financial satisfaction through financial behavior. International Journal of Education and Literacy Studies, 9(1), 86–95.
Ghosh, S., & V. (2017). What constrains financial inclusion for women? Evidence from Indian Micro data. World Development.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265.
Gudmunson, C. G., & Danes, S. M. (2011). Family Financial Socialization: Theory and Critical Review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. (2019). The Great Facilitator. In The Great Facilitator. https://doi.org/10.1007/978-3-030-06031-2_1
Hestin Utari, P. (2024). Pengguna Paylater di Indonesia 13,4 Juta Orang, Jawa Barat Terbanyak. Bisnis.Com. https://finansial.bisnis.com/read/20240307/563/1747467/pengguna-paylater-di-indonesia-134-juta-orang-jawa-barat-terbanyak
Jennifer, J., & Pamungkas, A. S. (2021). Pengaruh self control, financial literacy dan parental socialization terhadap saving behavior. Jurnal Manajerial Dan Kewirausahaan, 3(1), 8–15.
Katauke, T., Fukuda, S., Khan, M. S. R., & Kadoya, Y. (2023). Financial Literacy and Impulsivity: Evidence from Japan. Sustainability (Switzerland), 15(9), 1–14. https://doi.org/10.3390/su15097267
Kenny, K. (2020). Faktor-Faktor Yang Mempengaruhi Perilaku Menabung Pada Mahasiswa Di Kota Batam. Conference on Business, Social Sciences and Innovation Technology, 1(1), 10–22.
Kuhnen, C. M., & Melzer, B. T. (2018). Noncognitive abilities and financial delinquency: The role of self‐efficacy in avoiding financial distress. The Journal of Finance, 73(6), 2837–2869.
Lee, T., Park, C., & Jun, J. (2014). Two faces of mobile shopping: Self-efficacy and impulsivity. International Journal of E-Business Research, 10(1), 15–32. https://doi.org/10.4018/ijebr.2014010102
Lestari, F. A. (2017). Rusdarti.(2017). Pengaruh Lingkungan Keluarga dan Pengendalian Diri Terhadap Perilaku Keuangan dengan Literasi Keuangan Sebagai Variabel Intervening. Economic Education Analysis Journal, 3(1), 1–10.
Liu, L., & Zhang, H. (2021). Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit. Journal of Behavioral and Experimental Finance, 32, 100569. https://doi.org/10.1016/j.jbef.2021.100569
Lusardi, A., & Mitchell, O. S. (2014). The Importance of Financial Literacy: Opening a New Field. Journal of Economic Perspectives, 37(4), 137–154. https://doi.org/10.1257/jep.37.4.137
MH, N., & Chaniago, H. (2017). Faktor Penentu Perilaku Impulsive Buying Pada Fashion Business Di Kota Bandung. Jurnal Riset Bisnis Dan Investasi, 2(3), 121–133. https://doi.org/10.35313/jrbi.v2i3.97
Nabavi, R., & Bijandi, M. (n.d.). Bandura ’ s social learning theory y social cognitive learning theory razieh tadayon nabavi. Theories of Developmental Psychology, January 2012, 24. https://www.researchgate.net/profile/Nuha-Taher/publication/356129244_Bandura’s_Social_Learning_Theory_Social_Cognitive_Learning_Theory_by_Razieh_Tadayon_Nabavi_Translation_By_Nuha_hamid_taher/links/618cec2f3068c54fa5cdd986/Banduras-Social-Learning-Theory
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (case study at Padjadjaran University students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Noor, N., Batool, I., & Arshad, H. M. (2020). Financial literacy, financial self-efficacy and financial account ownership behavior in Pakistan. Cogent Economics and Finance, 8(1). https://doi.org/10.1080/23322039.2020.1806479
Novendra, B., & Aulianisa, S. S. (2020). Konsep dan Perbandingan Buy Now, Pay Later. Rechtsvinding, 9(2), 183–201. https://sikapiuangmu.ojk.go.id/
Novina, P. (2023). Anak Muda Terjerat Pay Later Makin Marak, Ini Data Terbarunya. CNBC Indonesia. https://www.cnbcindonesia.com/tech/20230910143130-37-471096/anak-muda-terjerat-pay-later-makin-marak-ini-data-terbarunya
Oaten, M., & Cheng, K. (2007). Improvements in self-control from financial monitoring. Journal of Economic Psychology, 28(4), 487–501. https://doi.org/10.1016/j.joep.2006.11.003
Qomariyah, A., Qibtiyah, G. A., Andesita, F., & Bemby, W. (2022). Financial Literacy, Impulsive Buying Behavior, and the Z-Gen. Review of Integrative Business and Economics Research, 11(2), 164–178. https://www.proquest.com/scholarly-journals/financial-literacy-impulsive-buying-behavior-z/docview/2717879119/se-2
Ratnaningsih, Y. R., & El Halidy, A. (2022). Pengaruh Fomo, Kesenangan Berbelanja Dan Motivasi Belanja Hedonis Terhadap Keputusan Pembelian Tidak Terencana Di E-Commerce Shopee Pada Waktu Harbolnas. Eqien-Jurnal Ekonomi Dan Bisnis, 11(03), 1477–1487.
Riaz, S., Khan, H. H., Sarwar, B., Ahmed, W., Muhammad, N., Reza, S., & Ul Haq, S. M. N. (2022). Influence of Financial Social Agents and Attitude Toward Money on Financial Literacy: The Mediating Role of Financial Self-Efficacy and Moderating Role of Mindfulness. SAGE Open, 12(3). https://doi.org/10.1177/21582440221117140
Rodrigues, R. I., Lopes, P., & Varela, M. (2021). Factors affecting impulse buying behavior of consumers. Frontiers in Psychology, 12, 697080.
Rook, D. W. (1987). The buying impulse. Journal of Consumer Research, 14(2), 189–199.
Rudi, J. H., Serido, J., & Shim, S. (2020). Unidirectional and bidirectional relationships between financial parenting and financial self-efficacy: Does student loan status matter? Journal of Family Psychology, 34(8), 949.
Rumayya, F. R. S., Wahyuni, E., Rohman, M. S., Arini, H. R. B., & Agusti, K. S. (2020). Persepsi Pasar Terhadap Pemanfaatan Fitur Pembayaran Paylater-Laporan Penelitian. Research Institute of Socio-Economic Development, 1–43.
Sharma, P., Sivakumaran, B., & Marshall, R. (2010). Impulse buying and variety seeking: A trait-correlates perspective. Journal of Business Research, 63(3), 276–283.
Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470. https://doi.org/10.1007/s10964-009-9432-x
Sibuea, Raymond, Umi Widyastuti, A. M. M. (2023). Determinants of Impulsive Buying on Compulsive Buying in E-Commerce: a Study on College Students in Jabodetabek. International Journal of Current Economics & Business Ventures, 4(1), 20–38. https://scholarsnetwork.org/journal/index.php/ijeb
Sirsch, U., Zupančič, M., Poredoš, M., Levec, K., & Friedlmeier, M. (2020). Does parental financial socialization for emerging adults matter? The case of Austrian and Slovene first-year university students. Emerging Adulthood, 8(6), 509–520.
Sofian, N. A. (2021). Socialization Factors Influencing on the Impulsive Buying Behavior of Mathematics E-Book for Disability Student. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(3), 2418–2426.
Sosianika, A., & Juliani, N. (2017). A study of the implusive buying behavior comparasionbased on consumer’s characteristics. Sigma-Mu, 9, 9–18.
Sugiono, B. P., & Tobing, R. (2022). Pengaruh Hedonic Motivation, Cool Motivation dan Socialization Motivation Terhadap Impulsive Buying (Studi Kasus pada Remaja di Kota Maros). Jurnal Manajemen Dan Bisnis Madani, 4(2), 24–45. https://doi.org/10.51353/jmbm.v4i2.643
Suharyanto, A. (2019). Pengaruh Efisiensi dan Motivasi Kerja terhadap Kinerja Karyawan Melalui Sistem E-Procurement Sebagai Variabel Intervening. Manajerial, 6(2), 68. https://doi.org/10.30587/manajerial.v6i2.922
Surya, N., & Evelyn, E. (2023). Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater. Jurnal Manajemen Dan Keuangan, 12(1), 37–60.
Udayanthi, N. O., Herawati, N. T., & Julianto, I. P. (2018). Pengaruh Literasi Keuangan, Kualitas Pembelajaran dan Pengendalian Diri Terhadap Perilaku Konsumtif (Studi Empiris pada Mahasiswa Jurusan Akuntansi Program S1 Universitas Pendidikan Ganesha). JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 9(2).
Watang, K. C. C., & Miswanto, M. (2022). Mood Management as Mediator in Consumer Motivation and Impulsive Buying Relationship. KINERJA, 26(1), 137–150.
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Published
2024-08-13
How to Cite
Yuliani, R. (2024). Determinants of Impulse Buying in Buy Now Pay Later Users. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), 2(1). Retrieved from https://journal.unj.ac.id/unj/index.php/isc-beam/article/view/47113
