The Influence of Financial Literacy, Consumptive Lifestyle, Ease of Use, and Perceived Usefulness on the Intention to Use Shopee Paylater Among Generation Z : A Study of Student at Semarang State Polytechnic

This study aims to analyse the influence of financial literacy, consumptive lifestyle, ease of use, and perceived usefulness on the interest to use Shopee Paylater among Generation Z student at Semarang State Polytechnic. The research was conducted through a questionnaire distributed to 100 respondens selected using the slovin method. The independent variables consist of individual financial knowledge, behavioural indicators reflecting actual usage plans. Vlidity and reliability tests were conducted to ensure data accuary, and classical assumption tests were confirmed model suitability. The student was conducted over a three-month period, from April to june 2025. The regression analysis revealed that all independent variables significantly affect the intention to use Shopee Paylater (p < 0,05). These findings provide meaningful insights for fintech developers, educators, and policymakers in encouraging responsible use of digital financial tools, especially among young yours. Furthermore, the research emphasizes the critical role of financial literacy in shaping rational fintech behaviour and highlights how lifestyle and perceived technology value contribute to the acceptance of Paylater system.