The influence of financial literacy, ease of use and usefulness on the use of Shopee Paylater in Malang city student

Prazadhea, Agha Afiq and Fitriyah, Fitriyah ORCID: https://orcid.org/0009-0000-9402-9370 (2023) The influence of financial literacy, ease of use and usefulness on the use of Shopee Paylater in Malang city student. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 7 (2). pp. 723-743. ISSN 2621-5306

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Abstract

The advancement of technology has led to the proliferation of online buying and selling applications or e-commerce platforms. The increase in the number of online buying and selling applications is accompanied by an increase in payment features that are increasingly easy adn practical. One of them that is quite widely used is Shopee Pay Later. This study examines the effect of financial literacy, Ease Of Use, and benefits of using Shopee Paylater. This research method uses Quantitative methods. The location of this research is in Malang City. The sample of this research is 80 samples. The data utilized is primarily obtained through administering a questionnaire as the chosen data collection method. The variables used are Financial Literacy (X1), Ease Of Use (X2), Benefits (X3), and Shopee Paylater (Y). The test tool used is the SmartPLS 3.0 application. This study found that the variable of Financial Literacy (X1) demonstrates a significant negative influence on utilizing Shopee Pay later. So the higher the level of individual financial literacy, the lower the use of Shopee Paylater. The Ease Of Use variable (X2) has a significant effect in a positive direction. Benefit Variable (X3) has a significant effect in a positive direction. Then the higher the level of Ease Of Use and benefits of shopee pay later, the more users will also increase. The use of Shopee Paylater by individuals with high financial literacy will tend to be low because there will be much information taken into consideration in their financial decisions, such as interest and loan risk. Meanwhile, the Ease Of Use and benefits variables will lead to high use of Shopee Paylater regardless of the level of individual financial literacy. Because basically, humans will use technology if it provides Ease Of Use and benefits. So financial literacy is very important to consider in making financial decisions

Item Type:	Journal Article
Keywords:	financial literacy; ease of use; usefulnes; e-commerce; Shopee Paylatter
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150301 Business Information Management (incl. Records, Knowledge and Information Management, and Intelligence)
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Fitriyah Fitriyah
Date Deposited:	20 Nov 2023 19:43

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