Pengaruh Literasi Keuangan Terhadap Niat Menggunakan Shopee Paylater dengan Persepsi Risiko dan Kepercayaan Sebagai Variabe Mediasi pada Generasi Z di Kota Denpasar

This study analyzes the influence of financial literacy on the intention to use Shopee PayLater, with risk perception and trust as mediating variables among Generation Z in Denpasar City. Using a quantitative method with a Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach, data were collected from 200 respondents through purposive sampling. The results indicate that financial literacy has a positive effect on the intention to use Shopee PayLater, while risk perception has a negative effect. Trust in the platform plays a crucial role in increasing usage intention. Additionally, risk perception and trust are proven to mediate the relationship between financial literacy and the intention to use Shopee PayLater. These findings highlight that improving financial literacy, strengthening trust, and reducing risk perception can encourage the adoption of digital payment services among Generation Z.