The Impact of Consumer Behavior on Changes in User Lifestyles of Shopee Paylater to Fkip Unram Students
DOI:
https://doi.org/10.58258/1kvgvd71Abstract
The development of digital financial services has given rise to easier transactions in the form of a "buy now, pay later" system, one of which is Shopee PayLater. This convenience has the potential to trigger consumer behavior, especially among students with limited monthly income. This researcher uses Baudrillard's Consumption Theory (2018). This study aims to describe the forms of lifestyle changes and analyze the impact of consumer behavior on lifestyle changes among FKIP students at Mataram University using Shopee PayLater. The research subjects consisted of 5 and 5 supporting informants. Data collection techniques included non-participant observation, semi-structured interviews, and documentation. Data validity was tested by triangulation of sources, techniques, and time. The results of the study show 1). the form of student lifestyle after utilizing Shopee Paylater services, seen from the shift in consumption orientation which is no longer based on needs, but on desires, social symbols, and the influence of digital media. 2). The impact of consumptive behavior on lifestyle changes is twofold, namely positive impacts including the ease of meeting needs quickly, utilizing promotions and discounts, and increasing efficiency and practicality in transactions, and negative impacts encouraging a more wasteful lifestyle, reducing opportunities to save, and making students less likely to consider their needs and financial conditions in the future.References
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