Paylater as The Millennial Payment: Theory Planned Behavior
This study aims to identify the motivations of Millennials who use Paylater services as a payment method in transactions and then investigates their perceptions and financial control regarding the risk of Paylater through the theory of planned behavior. This research involves individuals from the M...
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| Format: | Article |
| Language: | Indonesian |
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Petra Christian University
2024-11-01
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| Series: | Jurnal Akuntansi dan Keuangan |
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| Online Access: | https://jurnalakuntansi.petra.ac.id/index.php/aku/article/view/29221 |
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| _version_ | 1832591085171376128 |
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| author | Susan Fatmawati Eko Suwardi |
| author_facet | Susan Fatmawati Eko Suwardi |
| author_sort | Susan Fatmawati |
| collection | DOAJ |
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This study aims to identify the motivations of Millennials who use Paylater services as a payment method in transactions and then investigates their perceptions and financial control regarding the risk of Paylater through the theory of planned behavior. This research involves individuals from the Millennial generation who have used Paylater services, using a qualitative approach through interviews. Primary data in the form of interviews in this study uses thematic analysis, by collecting and analyzing data, coding data, developing analytical ideas and concepts, and connecting analysis with the theory used. The results revealed that the ease of access, flexibility, and promo incentives of Paylater motivate Millennials to use it. Social pressure from relatives, the environment, and social media influences this motivation, along with their belief in their control over Paylater. However, Millennials also perceive risks such as spontaneous purchases, financial difficulties, and default, which raises doubts about using this service. These findings highlight the importance of considering psychological aspects, financial literacy, and financial behavior in using Paylater responsibly.
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| format | Article |
| id | doaj-art-2cfc8d16ea58493c83431168283fb6fd |
| institution | Kabale University |
| issn | 1411-0288 2338-8137 |
| language | Indonesian |
| publishDate | 2024-11-01 |
| publisher | Petra Christian University |
| record_format | Article |
| series | Jurnal Akuntansi dan Keuangan |
| spelling | doaj-art-2cfc8d16ea58493c83431168283fb6fd2025-01-23T03:13:41ZindPetra Christian UniversityJurnal Akuntansi dan Keuangan1411-02882338-81372024-11-0126210.9744/jak.26.2.91-102Paylater as The Millennial Payment: Theory Planned BehaviorSusan Fatmawati0Eko Suwardi1Universitas Gadjah MadaUniversitas Gadjah Mada This study aims to identify the motivations of Millennials who use Paylater services as a payment method in transactions and then investigates their perceptions and financial control regarding the risk of Paylater through the theory of planned behavior. This research involves individuals from the Millennial generation who have used Paylater services, using a qualitative approach through interviews. Primary data in the form of interviews in this study uses thematic analysis, by collecting and analyzing data, coding data, developing analytical ideas and concepts, and connecting analysis with the theory used. The results revealed that the ease of access, flexibility, and promo incentives of Paylater motivate Millennials to use it. Social pressure from relatives, the environment, and social media influences this motivation, along with their belief in their control over Paylater. However, Millennials also perceive risks such as spontaneous purchases, financial difficulties, and default, which raises doubts about using this service. These findings highlight the importance of considering psychological aspects, financial literacy, and financial behavior in using Paylater responsibly. https://jurnalakuntansi.petra.ac.id/index.php/aku/article/view/29221Buy-Now-Paylaterfinancial literacyrisk perceptiontheory of planned behavior |
| spellingShingle | Susan Fatmawati Eko Suwardi Paylater as The Millennial Payment: Theory Planned Behavior Jurnal Akuntansi dan Keuangan Buy-Now-Paylater financial literacy risk perception theory of planned behavior |
| title | Paylater as The Millennial Payment: Theory Planned Behavior |
| title_full | Paylater as The Millennial Payment: Theory Planned Behavior |
| title_fullStr | Paylater as The Millennial Payment: Theory Planned Behavior |
| title_full_unstemmed | Paylater as The Millennial Payment: Theory Planned Behavior |
| title_short | Paylater as The Millennial Payment: Theory Planned Behavior |
| title_sort | paylater as the millennial payment theory planned behavior |
| topic | Buy-Now-Paylater financial literacy risk perception theory of planned behavior |
| url | https://jurnalakuntansi.petra.ac.id/index.php/aku/article/view/29221 |
| work_keys_str_mv | AT susanfatmawati paylaterasthemillennialpaymenttheoryplannedbehavior AT ekosuwardi paylaterasthemillennialpaymenttheoryplannedbehavior |