Design-Based Research for Developing and Refining Differential Calculus Instructional Lesson (DCIL)

Rapid technological innovations have led to the emergence of financial technologies that are revolutionizing the financial environment.The advent of Buy Now, Pay Later (BNPL) services marks a significant shift in consumer financing and payment models.This study aims to explore the key factors that affect BNPL adoption among Gen Y and Z in the Sarawak context.This study addresses a gap in understanding BNPL adoption factors for Gen Y and Z consumers in Sarawak.BNPL is particularly relevant in the Sarawak context due to the state's rapid digitalization process.The state government pushed for Digitalization through the introduction of the Sarawak Digital Economy Blueprint driving the state to become a high-income state by the year 2030.Gen Y and Z are the highest number of users of digital financial services due to their tech-savviness and financial needs.This research utilized a quantitative research method via questionnaire to collect data from Gen Y and Z in Sarawak.The sampling method of the study was purposive sampling with a sample size of 400.The criteria to be selected as respondents for this study are residing in Sarawak, having sufficient knowledge of BNPL, and being classified as Gen Y or Z.The data analysis of this study was conducted via SmartPLS 4.0 software.The results of the study showed that Effort Expectancy (EE), Facilitating Conditions (FC), Hedonic Motivation (HM), and Habit (HBT) were significant factors in predicting Behavioural Intention (BI).Besides, HBT and BI were found to be significant factors in predicting the Use Behaviour (UB).Experience (EXP) successfully moderates the relationship between HBT and BI.The study enhances theoretical understanding and contributes to the broader literature on financial technology adoption.