Pengaruh Digital Financial Literacy Dan System Security Terhadap Pengambilan Keputusan Pengguna Paylater Di Wilayah Jabodetabek Dengan Mediasi Kepercayaan

This study aims to analyze the influence of digital financial literacy and system security on the decisions of paylater service users in Greater Jakarta (Jabodetabek), with trust as a mediating variable. This quantitative study used primary data from 145 respondents aged 17–30 years who were paylater users in the past year, selected through a purposive sampling method. Data analysis was conducted using the Partial Least Square - Structural Equation Modeling (PLS-SEM) method with SmartPLS 4 software. The results showed that digital financial literacy had a positive and significant direct effect on user decisions, but did not significantly influence trust. Conversely, system security had a positive and significant effect on trust, but did not have a direct effect on user decisions. Trust was proven to have a strong and significant influence on user decisions. The mediation test proved that trust did not mediate the influence of digital financial literacy on user decisions, but acted as a full mediator between system security and user decisions. In conclusion, individuals with high literacy can make rational usage decisions, while system security features absolutely require user psychological trust to be able to drive usage decisions.