Pengaruh SPayLater terhadap Perilaku Konsumtif (Studi pada Mahasiswa D-3 Keuangan Fakultas Vokasi Universitas Sumatera Utara)

Abstract

In the rapidly developing digital era, various financial technology innovations are present to facilitate transaction activities, one of which is the Shopee PayLater (SPayLater) service. This study was conducted to examine how the use of SPayLater affects the consumer behavior of students, especially in the D-3 Finance Study Program, Faculty of Vocational Studies, University of North Sumatra. This study uses a quantitative approach and the instruments used are questionnaires with a Likert scale, and data analysis is carried out through a simple linear regression test. The results of the study show that there is a positive and significant influence between the use of SPayLater and student consumer behavior. This means that the more often students use SPayLater, the higher their tendency to make purchases that are not always based on urgent needs. This finding strengthens the assumption that easy access and instant installment offers can be the main triggers for consumer behavior among students.