I'tisham, Khalif Daryl (2026) Pengaruh Impulse Buying Terhadap Intensitas Penggunaan Paylater Kredivo Dengan Financial Self-control Sebagai Variabel Moderasi Pada Generasi Z Di Kota Surabaya. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
The increasing use of Buy Now Pay Later (BNPL) services in Indonesia, particularly Kredivo PayLater, reflects a shift in the consumption behavior of Generation Z, which is increasingly influenced by the ease of access to digital credit. This phenomenon may encourage impulse buying behavior, while individuals’ financial self-control is assumed to influence the intensity of BNPL usage. This study aims to examine the effect of impulse buying on the intensity of Kredivo PayLater usage, with financial self-control serving as a moderating variable among Generation Z in Surabaya. This study employed a quantitative research approach using a purposive sampling technique involving 105 active Kredivo PayLater users. Data were collected through a structured questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The findings indicate that impulse buying has a significant positive effect on the intensity of Kredivo PayLater usage (β = 0.460; p < 0.001). Furthermore, financial self-control significantly weakens this relationship (β = −0.257; p = 0.001), suggesting that higher levels of financial self-control reduce the influence of impulse buying on the intensity of Kredivo PayLater usage. These findings support the Theory of Planned Behavior in explaining the use of BNPL services and highlight the importance of financial self-control in promoting more responsible PayLater usage.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HJ Public Finance | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Management | ||||||||
| Depositing User: | SIR khalif daryl | ||||||||
| Date Deposited: | 15 Jul 2026 02:30 | ||||||||
| Last Modified: | 15 Jul 2026 04:02 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/55517 |
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