The impact buy now pay later feature towards online buying decision in e-commerce Indonesia
List of Authors
  • Fitri Aprilianty , Muhammad Rafidarma K.

Keyword
  • Perceived Usefulness, Perceived Risk, Perceived Ease of Use, Online Purchase Decision, E-Commerce

Abstract
  • The COVID-19 pandemic has had a variety of effects on people, ranging from a change in human behavior to a substantial influence on economic situations. E-commerce capitalizes on this shift in consumer behavior by offering a "Buy Now, Pay Later" payment option during periods of diminishing purchasing power. This research was undertaken to investigate the influence of the Buy Now Pay Later option on the E-Commerce Indonesia platform's online purchasing decisions. This research employs a survey technique in the form of a Google forms-distributed questionnaire. All data comes from 240 samples consisting of 80 users of Shopee Pay Later, 80 users of Tokopedia Pay Later, and 80 users of Lazada Pay Later residing in Jakarta, Bogor, Depok, Tangerang, Bekasi, and Bandung. Perceived usefulness and perceived ease of use have a positive influence on the intention to use Buy Now Pay Later, but impulsive buying, materialism, budget constraints, and compulsive purchasing do not have a positive effect on Buy Now Pay Later intentions. Online buying decision is influenced positively by the intention to use Buy Now Pay Later. This study's findings were derived via data processing using Structural Equation Modeling (SEM).

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