Influence ff Impulse Buying Regarding the Intensity of Use of Credivo Paylater with Financial Self-Control as a Moderating Variable in Generation Z in Surabaya City
DOI:
https://doi.org/10.58258/psdfm982Abstract
The growing use of Buy Now Pay Later (BNPL) services in Indonesia, particularly Kredivo's PayLater, indicates a shift in Generation Z's consumption behavior, increasingly influenced by easy access to digital credit. This condition has the potential to encourage impulse buying behavior, while an individual's ability to control finances (financial self-control) is thought to influence the intensity of use of these services. This study aims to analyze the effect of impulse buying on the intensity of Kredivo's PayLater use, with financial self-control as a moderating variable, among Generation Z in Surabaya. The study used a quantitative approach with a purposive sampling technique on 105 respondents who are active Kredivo PayLater users. Data were collected through questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4. The results showed that impulse buying contributed to the intensity of Kredivo's PayLater use (β = 0.460; p < 0.001). Furthermore, financial self-control was shown to weaken this relationship (β = −0.257; p = 0.001), indicating that the higher the financial self-control ability, the weaker the influence of impulse buying on the intensity of Kredivo PayLater usage. This finding strengthens the Theory of Planned Behavior in explaining BNPL service usage behavior and emphasizes the importance of financial self-control in encouraging more responsible PayLater usage.References
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