Analisis Faktor Adopsi Paylater Dengan Model Unified Theory of Acceptance and Use of Technology 2
Analysis of Factors Influencing Paylater Adoption Using the Unified Theory of Acceptance and Use of Technology 2 Model
DOI:
https://doi.org/10.24260/jkubs.v5i1.5590Keywords:
Paylater, UTAUT2, Behavioural Intention, Financial TechnologyAbstract
Purpose: analyze the factors influencing the adoption of paylater services among the community in the Special Region of Yogyakarta (DIY) by utilizing the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework.
Design/methodology/approach: This research employs a quantitative approach with a survey method. Data were collected from 170 respondents in DIY using a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) via SmartPLS 3 software, which includes the evaluation of the outer model and the inner model.
Research Findings: indicate that Effort Expectancy, Social Influence, and Habit have a significant positive effect on the Behavioral Intention to use paylater services. Conversely, Performance Expectancy, Facilitating Conditions, Hedonic Motivation, and Price Value do not show a significant influence.
Contribution/Originality/Novelty: contributes to the literature regarding financial technology adoption, specifically paylater services, with a focused scope on the Special Region of Yogyakarta
References
Akmaliyah, M., & Rahmadi, R. (2021). Pengaruh Pengetahuan Keuangan dan Gaya Hidup terhadap Perilaku Penggunaan Paylater pada Mahasiswa. Jurnal Riset Manajemen dan Bisnis, 16(1), 45-56.
Alvida Dzattadini, Maya Anisa Nurpadilah, Riska Angraeni, Vyanara Aulyadisha, Radita Dian Eka Mauldya, & Rama Wijaya Abdul Razak. (2024). Dampak Penggunaan Aplikasi Paylater Terhadap Gaya Hidup Masyarakat. Akuntansi Pajak dan Kebijakan Ekonomi Digital, 1(2), 51–60. https://doi.org/10.61132/apke.v1i2.75
Asmara, R., Hamdani, N. A., & Yuwono, M. (2024). Analisis Pengguna Shopee Paylater dengan Pendekatan Unified Theory of Acceptance and Use (UTAUT2). Journal Interpreneurship and Strategic Management, 03(02), 90–100. www.jurnal.pps.uniga.ac.id
Fadhillah, A., Farizal, N., Arif, M., Ekonomi dan Bisnis Islam, F., Sunan Kalijaga Yogyakarta Jl Laksda Adisucipto, U., Purnama Sari Fakultas Ekonomi dan Bisnis Islam, D., Fadhillah Fakultas Ekonomi dan Bisnis Islam, A., Farizal Fakultas Ekonomi dan Bisnis Islam, N., Syekh Ali Hasan Ahmad Addary Padangsidimpuan JlT Rizal Nurdin NoKm, U., Padangsidimpuan Tenggara, K., & Arif Fakultas Ekonomi dan Bisnis Islam, M. (2022). FAKTOR PENENTU NIAT MENGGUNAKAN PAYLATER DENGAN KEPERCAYAAN SEBAGAI VARIABEL MODERASI. Journal of Islamic Banking and Finance, 2(2), 147–163. http://ejournal.iain-manado.ac.id/index.php/kunuz
Farhani, N. H., Annisa, J., Ramadhani, A., Dini, J., Sukimin, A. R., & Jakarta, P. N. (2023). Analisis Faktor-faktor yang Mempengaruhi Minat Mahasiswa Menggunakan Paylater dengan Model UTAUT2 A Nursyamsi Amin. AKUNSIKA: Jurnal Akuntansi Dan Keuangan, 4(2), 2722–3590. http://jurnal.poliupg.ac.id/index.php/akunsika
Gerrans, P., Baur, D. G., & Lavagna-Slater, S. (2021). Fintech and responsibility: Buy-now-pay-later (BNPL) utilization and financial wellbeing. International Journal of Bank Marketing, 39(3), 613-636.
Ghozali, I., & Latan, H. (2015). Partial Least Squares, Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 untuk Penelitian Empiris. Semarang: Badan Penerbit Universitas Diponegoro.
GoodStats. (2024). Pengguna PayLater Indonesia Tumbuh 17 Kali Lipat dalam 5 Tahun Terakhir. GoodStats. https://goodstats.id/article/pengguna-paylater-indonesia-tumbuh-17-kali-lipat-dalam-5-tahun-terakhir-355VL
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Thousand Oaks, CA: Sage Publications.
Johnson, D., Kaye, S. A., & Cass, A. (2021). The emergence of 'Buy Now, Pay Later' services: A review of consumer protection and regulatory challenges. Journal of Consumer Affairs, 55(4), 1120-1145.
Nugroho, P. (2025, September 28). 5 Alasan Kenapa Kredivo PayLater Aman Untuk Kebutuhan Transaksi. Kredivo. https://blog.kredivo.com/5-alasan-kenapa-kredivo-paylater-aman-untuk-kebutuhan-transaksi/
Nuswantoro, S. A., Ulfi, M., & Damayanti, A. (2024). DIGITAL FINANCIAL TRANSFORMATION IN INDONESIA: NON- CASH USAGE VIA MODIFIED UTAUT2 WITH TRUST. 6(2).
Prastiwi, S. K., et al. (2020). Dampak Digitalisasi terhadap Inklusi Keuangan di Daerah Istimewa Yogyakarta. Jurnal Ekonomi dan Pembangunan, 28(1), 12-25.
Rachmawati Nurfitri, A., Dimyati, Winarsih, & Setyaningsih, E. (2025). Fenomena Peningkatan Penggunaan Paylater di Indonesia dan Dampaknya Terhadap Perilaku Masyarakat. INNOVATIVE: Journal Of Social Science Research, Volume 5, 2963–2981.
Saragih, Y. W., & Rikumahu, B. (2022). Analisis Faktor Adopsi E-Wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat. Nominal Barometer Riset Akuntansi Dan Manajemen, 11(1), 70–87. https://doi.org/10.21831/nominal.v11i1.43075
Sitanggang, M. M., & Suharto, E. (2024). Analisis Penerimaan Pengguna Fitur Pembayaran Contactless Di Indonesia Dengan Menggunakan Model UTAUT 2 (Studi Kasus: Pada Generasi Z Tahun 2024). Jurnal Cendekia Ilmiah, 3(6), 7158–7172.
Trifiyanto, K. (2022). ADOPSI PAYLATTER PADA GENERASI Z: MENGINTEGRASI MODEL PENERIMAAN UTAUT2. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 1882–1899. https://doi.org/10.31955/mea.v6i3.2561
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 425-478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology1. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Aulia Tirta Marshanda, Izzatun Nisa', Alex Fahrur Riza
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
