Pengaruh Literasi Keuangan, Gaya Hidup Konsumtif, dan FOMO Terhadap Minat Penggunaan Paylater dengan Religiusitas Sebagai Variabel Moderasi (Studi pada Mahasiswa di Kota Malang)

Helmia Putri, Afifudin Afifudin, Dewi Diah Fakhriyyah

Abstract


This study aims to examine the influence of financial literacy, consumptive lifestyle, and Fear of Missing Out (FOMO) on the intention to use Paylater services, with religiosity serving as a moderating variable. This study is grounded in the Theory of Planned Behavior (TPB), which explains that an individual's behavioral intention is influenced by attitude toward the behavior, subjective norms, and perceived behavioral control. In this study, financial literacy, consumptive lifestyle, FOMO, and religiosity are considered factors that influence students' intention to use Paylater services. The rapid development of Paylater services has provided greater convenience and flexibility in meeting consumers' needs. However, it also has the potential to encourage consumptive behavior and increase financial management risks, particularly among university students. This study employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 100 students from Universitas Islam Malang, Universitas Islam Negeri Maulana Malik Ibrahim Malang, and Universitas Muhammadiyah Malang who had previously used or were currently using Paylater services. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software. The findings indicate that consumptive lifestyle has a positive and significant effect on the intention to use Paylater, whereas financial literacy and Fear of Missing Out (FOMO) do not have a significant effect on the intention to use Paylater. Furthermore, religiosity does not moderate the relationship between financial literacy, consumptive lifestyle, and FOMO with the intention to use Paylater. These findings suggest that students' intention to use Paylater is more strongly influenced by their consumptive lifestyle than by their level of financial literacy, FOMO, or religiosity. This study contributes to the empirical literature on Paylater usage behavior from the perspective of the Theory of Planned Behavior and provides practical implications for universities, Paylater service providers, and policymakers in promoting financial literacy and encouraging more responsible use of Paylater services..

Keywords: Financial literacy; consumptive lifestyle; fear of missing out (fomo); religiosity; intention to use paylater.


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