What question did this study set out to answer?

This research aims to analyze how responsible financial behavior indicators—financial literacy, income, and savings—affect the financial well-being of young Paylater users.

June 20, 2026

The Influence of Responsible Financial Behavior on the Financial Well-Being of Paylater Users

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Authors

SSSumani Sumani SYSteven Yonathan

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Implication

Randomized trial analyzes financial literacy, income, and savings impacting well-being in young adults, suggesting behavior is crucial.

Key Points

This research aims to analyze how responsible financial behavior indicators—financial literacy, income, and savings—affect the financial well-being of young Paylater users.
147 participants from the Jakarta area were surveyed through online sampling.
Responsible financial behavior defined via indicators of financial literacy, income, and savings.
Structural Equation Modeling (SEM) was conducted using Smart-PLS 4 for hypothesis testing.
Financial literacy and savings positively and significantly impact financial well-being.
Income does not significantly influence financial well-being among Paylater users.
Effective management of income is related to self-control and responsible financial behavior.

Cite This Study

Sumani et al. (2026) studied this question.

synapsesocial.com/papers/6a362fbcdb0793dc1a537250 https://doi.org/10.21512/bbr.v17i2.14189

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The Influence of Responsible Financial Behavior on the Financial Well-Being of Paylater Users

Discussion

Member takes

Implication

Key Points

Cite This Study

The Influence of Responsible Financial Behavior on the Financial Well-Being of Paylater Users

Discussion

Member takes

Implication

Key Points

Cite This Study

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