The Influence of Financial Literacy on Consumptive Behavior of SPaylater Users in Generation Z
DOI:
https://doi.org/10.56456/jebdeker.v6i1.892Keywords:
Financial Literacy, E-Commerce, Consumer Behavior, Gen ZAbstract
Generation Z has become a key customer base due to the digital shift in e-commerce, and they are highly receptive to financial services like PayLater. The purpose of this study is to examine how Generation Z's use of Shopee PayLater is influenced by their lack of financial literacy. The study highlights the importance of financial literacy in managing costs and preventing the development of detrimental overspending behavior by analyzing purchasing patterns that emerge due to easy access and available discounts. A questionnaire was administered to 32 active Shopee PayLater users in Semarang Regency as part of the study's quantitative methodology. Using statistics such as normality tests, correlations, and basic regressions to determine the relationships and influences between variables, the main variables discussed were financial literacy levels, analysis, and consumption patterns. The study findings show a strong correlation between consumptive behavior and financial literacy, with higher levels of financial literacy generally resulting in lower impulsive buying behavior. These findings suggest that financial literacy is crucial for controlling overspending patterns and increasing awareness of the disadvantages of using PayLater and other fast credit services.
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