ANALYSIS OF FACTORS INFLUENCING INTENTIONS TO USE PAYLATER PAYMENT SYSTEM IN INDONESIAN SOCIETY

Abstract

The increasing popularity of digital payment systems in Indonesia has opened up new opportunities for financial inclusion. The objective of this research is to determine the factors that influence intentions to use the PayLater payment system in Indonesian society, including perceived ease of use, social influence, impulse buying, and hedonic motivation. This research design is a quantitative study using primary data collected through online questionnaire. The population were Indonesian who had used the PayLater payment system. The number of samples collected was 282, which were selected by a purposive sampling technique. The data were analyzed using Partial Least Square-Structural Equation Model (PLS-SEM) by utilizing a statistical software. Factors that significantly influence the intention to use the PayLater payment system in Indonesian society are perceived ease of use, social influence, and hedonic motivation. Meanwhile, the only factor analyzed in this study that does not significantly influence the intention to use the PayLater payment system is impulsive buying. Furthermore, the finding also shows that hedonic motivation (HM) mediate the association between social influence (SI) and PayLater Usage Intention (PUI).