Adoption of PayLater among Digital Natives in Jakarta: The Role of TPB and Trust
DOI:
https://doi.org/10.64243/JOSMI.02.1.02Keywords:
PayLater, Theory of Planned Behavior, Digital Native, Financial Technology, Consumer BehaviorAbstract
This research uses a combination of the Theory of Planned Behavior (TPB) and the trust construct to investigate what variables impact consumers' intentions to utilize PayLater services. Partially Least Squares-Structural Equation Modeling (PLS-SEM) was used to undertake the quantitative cross-sectional design of the study. According to the results, users' intents to use PayLater are positively and significantly impacted by trust, but there is no significant association between attitude toward the action, subjective norms, and perceived behavioral control. These results indicate that users’ confidence in system security, data protection, and the reliability of service providers serves as the primary determinant of PayLater adoption. Therefore, this study concludes that trust plays a more decisive role than psychological and social factors in shaping users’ engagement with PayLater services. Consequently, PayLater providers should focus on enhancing transparency, strengthening security systems, and safeguarding user data to build trust and encourage sustainable service usage.
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://www.sciencedirect.com/science/article/abs/pii/074959789190020T?via%3Dihub
Dewi, A. K., Mardi, & Indriani, S. (2025). Understanding intention to use PayLater: Roles of financial literacy, risk perception, and trust. Journal of Economics, Office, and Accounting Education, 6(2), 322–331. https://journal.unj.ac.id/unj/index.php/jpepa/article/view/58727
Fatmawati, S., & Suwardi, E. (2024). PayLater as the millennial payment: Theory of planned behavior. Journal of Accounting and Finance, 26(2), 91–102. https://jurnalakuntansi.petra.ac.id/index.php/aku/article/view/29221
Octaviana, F., Dewi, F. R., & Hidayati, N. (2024). Financial literacy, risk perception, and PayLater adoption: A TPB analysis. Journal of Business and Management Applications, 10(2), 491. https://journal.ipb.ac.id/index.php/jabm/article/view/51090
Sujatmiko, & Al Kausar. (2024). PayLater adoption as a mediator between financial literacy, risk perception, and financial behavior. Scientific Journal of Unit Management, 13(3), 3248. https://jurnal.ibik.ac.id/index.php/jimkes/article/view/3248
Salsabila, S. T., Kartika, Y. D., & Bachtiar, S. (2025). The influence of perceived trust, usefulness, risks and financial knowledge on interest in using SPayLater. Journal of Business Management, 11(1), 734. https://jurnal.fe.umi.ac.id/index.php/JMB/article/view/734
Kamal, A. H., Cheumar, M. T., Hasanah, H., & Sudibyo, T. D. (2023). Analysis of PayLater customer intentions in e-commerce with the planned behavior method. Al-Mashrof: Islamic Banking and Finance, 4(1), 17485. https://ejournal.radenintan.ac.id/index.php/almashrof/article/view/17485
Edgina, E., Bianca, S., Hamzah, L., & Gunadi, W. (2025). Extended TPB: The role of perceived trust and financial self-efficacy in intention to use BNPL among Gen Z and millennials. International Journal of Research and Review, 12(10), 312–322. https://www.ijrrjournal.com/IJRR_Vol.12_Issue.10_October2025/IJRR31.pdf
Prensky, M. (2001). Digital natives, digital immigrants. On the Horizon, 9(5), 1–6. https://doi.org/10.1108/10748120110424816
Sofyan, M. D. A., & Aprianingsih, A. (2023). Factors Influencing The Utilization of Pay Later Payment Option on Traveloka. Journal of Business & Management, 3866. Retrieved from https://journal.sbm.itb.ac.id/index.php/jbm/article/view/3866
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Hilsya Faiqotul Innayah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
