Influence of Financial Knowledge and Perceived Ease on User Decisions Through Shopee Paylater User Interest

Authors

  • Vica Rahmadhani Universitas Bhayangkara Jakarta Raya
  • Muhammad Richo Rianto Universitas Bhayangkara Jakarta Raya
  • Choiroel Woestho Universitas Bhayangkara Jakarta Raya
  • Eri Bukhari Universitas Bhayangkara Jakarta Raya
  • Wirawan Widjanarko Universitas Bhayangkara Jakarta Raya

Keywords:

Financial Knowledge, Perceived Ease, User Decision, User Interest

Abstract

This research is a quantitative study utilizing a questionnaire directed at Shopee PayLater users. Sampling in this study was conducted using a simple random sampling technique with a sample size of 87 respondents. The design employed in this research involved hypothesis testing using the SmartPLS 4.0 statistical tool. The results of this study indicate that the financial knowledge variable does not have a significant influence on user decisions, whereas perceived ease significantly influences user decisions. Additionally, mediating variables such as financial knowledge and perceived ease were found to also influence Shopee PayLater user interest among students of the 2020 class of the Faculty of Economics and Business at Universitas Bhayangkara Jaya (Ubhara Jaya). These findings suggest that financial knowledge and perceived ease are not the primary factors influencing the usage of Shopee PayLater. Thus, it can be concluded that other factors may be more dominant in influencing user behavior in utilizing this service.

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Published

2024-02-12

How to Cite

Rahmadhani, V., Rianto, M. R., Woestho, C., Bukhari, E., & Widjanarko, W. (2024). Influence of Financial Knowledge and Perceived Ease on User Decisions Through Shopee Paylater User Interest. BUSINESS: Scientific Journal of Business and Entrepreneurship, 2(1), 56–68. Retrieved from https://journal.csspublishing.com/index.php/business/article/view/648

Issue

Vol. 2 No. 1 (2024): BUSINESS 2024

Section

Articles

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Copyright (c) 2024 Vica Rahmadhani, Muhammad Richo Rianto, Choiroel Woestho, Eri Bukhari, Wirawan Widjanarko

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