Font Size: 

The way a person manages their finances can have a huge impact on the level of financial well-being they experience. Financial attitudes, behavioral control, self-efficacy and financial behavior are four factors that can influence the use of pay later. This research explores the concept of pay later, a financial service that allows users to make purchases without cash payment on the spot, and get purchased items, by paying at a set time. The focus of this study was on the student population as a research sample, identifying the reasons why pay later became relevant in the context of their financial behavior. Through a behavioral approach, this study revealed that students often need pay later as a solution to meet their daily needs without having to spend money directly. A specially selected research sample from among students allows for a more indepth analysis of the impact of financial attitudes, behavioral control, self-efficacy, and financial behavior on the use of pay later services. The results showed that the behavior of using Paylater services by students was strongly influenced by their financial attitudes. Meanwhile, behavioral control and self-efficacy have no influence on financial behavior. These findings provide valuable insights for Paylater service providers and related parties in developing more effective strategies in responding to the needs and behavioral characteristics of students related to finance.

financial attitude, behavioral control, self-efficacy, and financial behavior