Faktor-Faktor yang Memengaruhi Penggunaan PayLater pada Gen Z
Keywords:
Generasi Z, Inovasi Pribadi, Mental Accounting, PayLater, Pembelian ImpulsifAbstract
Penelitian ini bertujuan menguji faktor-faktor yang memengaruhi penggunaan PayLater pada Generasi Z, meliputi kecenderungan pembelian impulsif, kecenderungan suka berutang, konsumerisme, mental accounting, kecenderungan meniru pada perilaku berutang, optimisme, inovasi pribadi, dan lendtech client. Penelitian menggunakan pendekatan kuantitatif dengan desain survei cross-sectional. Data diperoleh melalui kuesioner daring dengan teknik purposive sampling terhadap 103 responden Generasi Z yang pernah atau sedang menggunakan PayLater. Instrumen diuji melalui factor loading dan Cronbach’s Alpha, sedangkan hipotesis dianalisis menggunakan regresi logistik binomial dengan pendekatan bootstrapping 1.000 resampling. Model dinyatakan layak berdasarkan Hosmer and Lemeshow Test sebesar 0,291, dengan Nagelkerke R Square sebesar 0,256. Hasil menunjukkan bahwa kecenderungan pembelian impulsif, mental accounting, dan inovasi pribadi berpengaruh signifikan terhadap penggunaan PayLater. Sebaliknya, kecenderungan suka berutang, konsumerisme, kecenderungan meniru pada perilaku berutang, optimisme, dan lendtech client tidak berpengaruh signifikan. Temuan menegaskan bahwa aspek spontanitas pembelian, pengelompokan anggaran mental, dan keterbukaan terhadap inovasi lebih relevan dalam menjelaskan penggunaan PayLater pada sampel penelitian ini serta mendukung pengembangan edukasi keuangan digital yang bertanggung jawab. Penelitian ini menunjukkan perlunya integrasi fitur pengendalian pengeluaran dan transparansi kewajiban dalam ekosistem pembayaran digital untuk pengguna muda.
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