Keputusan Pembelian pada Layanan PayLater: Peran Persepsi Kemudahan, Persepsi Risiko, dan Kepercayaan
- Darmadi Darmadi Universitas Gunadarma, Depok, Indonesia
-
Bagus Nurcahyo
*
Universitas Gunadarma, Depok,
Indonesia
- Aji Sukarno Universitas Gunadarma, Depok, Indonesia
- Hadir Hudiyanto Universitas Gunadarma, Depok, Indonesia
- Martani Martani Universitas Gunadarma, Depok, Indonesia
- Vely Randyantini Universitas Gunadarma, Depok, Indonesia
- Ika Puji Saputri Universitas Gunadarma, Depok, Indonesia (*) Corresponding Author
Abstract
The rapid development of digital technology has driven the growth of Buy Now Pay Later (BNPL) or PayLater payment services, which are increasingly used in e-commerce transactions. This study aims to analyze the effects of perceived ease of use, perceived risk, and trust on purchasing decisions using the PayLater payment method. The study was conducted among consumers in West Jakarta who had previously used PayLater services through Shopee PayLater, GoPay PayLater, and Kredivo applications. The independent variables in this study consist of perceived ease of use, perceived risk, and trust, while the dependent variable is purchasing decision. This study employed a quantitative approach using primary data collected through online questionnaires distributed via Google Forms. The sampling technique used was purposive sampling, with a total of 100 respondents who met the research criteria. The data were analyzed using multiple linear regression with the assistance of IBM SPSS software, including validity testing, reliability testing, classical assumption tests, and hypothesis testing through the t-test. The results indicate that perceived ease of use and trust have a positive and significant effect on purchasing decisions using the PayLater payment method. In contrast, perceived risk does not have a significant effect on purchasing decisions. Furthermore, trust is the most dominant variable influencing purchasing decisions compared to the other variables. These findings suggest that the level of trust and the ease of using the service are the primary factors encouraging consumers to adopt the PayLater payment method in digital transactions. This study provides an empirical contribution to enriching the literature on consumer behavior in Buy Now Pay Later (BNPL) services and offers insights for fintech and e-commerce companies to enhance trust and service convenience in order to encourage consumers' purchasing decisions.
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Copyright (c) 2026 Darmadi Darmadi, Bagus Nurcahyo, Aji Sukarno, Hadir Hudianto, Martani Martani, Vely Randyantini, Ika Puji Saputri
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