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September 10, 2025Asian Journal of Management Analytics

The Effect of the Use of Paylater Services on Consumption Patterns Mediated by Personal Money Management in Generation Z with Socioeconomic Factors as Control Variables

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Authors

TNTerisha Andra NovariantyAHAgus Maolana HidayatBKBudi Rustandi Kartawinata

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Overview

Quantitative analysis reveals paylater services boost consumption in Generation Z, suggesting enhanced financial literacy is needed.

Key Points

  • The use of paylater services positively influences consumption patterns among Generation Z, and personal money management is a significant mediating factor.
  • Data from 275 respondents were analyzed, finding that socioeconomic factors also significantly affect consumption behavior in this demographic.
  • The study utilized Structural Equation Modeling (SEM) through SmartPLS to analyze 200 valid responses, highlighting the importance of modern financial tools.
  • These findings emphasize the need for improved financial literacy and risk management strategies for Generation Z in a digital economy.

Cite This Study

Novarianty et al. (2025) studied this question.

synapsesocial.com/papers/68c1bd3254b1d3bfb60ee338https://doi.org/10.55927/ajma.v4i3.14762
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1The Influence of Lifestyle and Paylater Usage on Consumption Behavior: A Review of Islamic Economics (Case Study of Generation Z in Medan City)2026
  2. 2The influence of financial literacy, financial attitude, and lifestyle on financial management behavior in paylater usage among generation Z: The moderating role of locus of control2025
  3. 3Implications of Managerial Financial Literacy on Generation Z's Consumptive Behavior2025
  4. 4The Influence of Financial Literacy and Impulsive Buying Behavior on The Spending Behavior of Shopee PayLater User Among Generation Z2025
  5. 5Determinants of Impulse Buying in Buy Now Pay Later Users2024