Pengaruh Pendapatan, Persepsi Resiko, Persepsi Kemudahan Dan Literasi Keuangan Terhadap Minat Untuk Menggunakan Paylater

This study aims to analyze the influence of income, risk perception, perceived ease of use, and financial literacy on Generation Z's interest in using paylater services. The research was conducted in the Greater Jakarta area (Jabodetabek) involving 160 respondents selected through purposive sampling technique. The research method employs a quantitative approach with multiple linear regression analysis. Data collection was carried out through an online questionnaire using a 5-point Likert scale. The results show that all four independent variables have a significant influence on the interest in using paylater services, with t-values for income (92.453), risk perception (88.762), perceived ease of use (95.887), and financial literacy (90.334), all of which are greater than the t-Tabel value (1.655). Simultaneously, the four variables also demonstrate a significant influence with an F-value (9.247) greater than the F-Tabel (2.666). Perceived ease of use emerges as the most influential factor, followed by income, financial literacy, and risk perception. These findings imply that paylater service providers need to focus their strategy on improving ease of use while maintaining security aspects and financial education to promote responsible usage among Generation Z.