Keamanan, kemudahan dan promosi fitur Shopee Paylater dalam keputusan pembelian gen Z

Authors

  • Komang Dian Prasna Fakultas Ekonomi, Universitas Indo Global Mandiri
  • Susi Handayani Fakultas Ekonomi, Universitas Indo Global Mandiri
  • Yeni Yeni Fakultas Ekonomi, Universitas Indo Global Mandiri

DOI:

https://doi.org/10.53088/jmdb.v6i2.2943

Keywords:

Security, Promotion, Purchasing Decision, Shopee PayLater, Convenience

Abstract

This study aims to analyze the roles of security, ease of use, and promotion in influencing purchase decisions regarding the use of Shopee PayLater among Generation Z. This research employed a quantitative approach using a survey method, distributing questionnaires to respondents who were Shopee PayLater users. The sampling technique used was purposive sampling, with the criteria that respondents belonged to Generation Z and had used Shopee PayLater in purchase transactions. The findings show that, to some extent, security, ease of use, and promotion positively affect purchase decisions. Simultaneously, these three variables also have a significant effect on purchase decisions. These findings indicate that transaction security, ease of service use, and attractive promotions are important factors in encouraging the use of Shopee PayLater. Therefore, improving security quality, service usability, and the use of appropriate promotional strategies can strengthen consumer purchase decisions, particularly among Generation Z, who are active users of digital services. This study has implications for e-commerce platform managers seeking to develop digital payment services that are secure, easy to use, and aligned with Generation Z's characteristics.

References

Agata, E. T., Pradekso, T., & Naryoso, A. (2023). Pengaruh Terpaan Promosi Penjualan Shopee PayLater dan Persepsi Risiko Layanan Shopee PayLater terhadap Keputusan Pembelian Fashion menggunakan Shopee PayLater. Interaksi Online, 12(1), 92–105.

Aswari, A., Triyandari, N., & Suhatmi, E. C. (2025). Pengaruh Faktor Kemudahan Penggunaan dan Tingkat Keamanan Terhadap Perilaku Doom Spending pada Pengguna Shopee Paylater di Kalangan Mahasiswa. Akuntansi Pajak Dan Kebijakan Ekonomi Digital, 2(3), 78–91. https://doi.org/10.61132/apke.v2i3.1356

Banani, M. R. S., & Selvi, E. (2023). Pengaruh Kemudahan Penggunaan Dan Keamanan Terhadap Minat Penggunaan Shopee Paylater (Studi Kasus Pada Followers Instagram Shopee). Jurnal Ilmiah Wahana Pendidikan, 9(1), 279–289. https://doi.org/10.5281/zenodo.7527551

Cahyani, C., Susilowati, I. H., & Widiyanti, W. (2023). Pengaruh Kepercayaan, Kemudahan Dan Keamanan Terhadap Keputusan Pembelian Konsumen Menggunakan Shopee PayLater Di Kota Depok. Jurnal Pemasaran Kompetitif, 07(1), 42–54. https://doi.org/10.32493/jpkpk.v7i1.33386

Cindy, V. D., Nurshinta, & Usman, O. (2024). Analysis of Factors Affecting Generation Z’s Intention in Using Shopee PayLater. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), 1(1), 420–439. https://doi.org/10.21009/isc-beam.011.29

Dani, R., Firayanti, Y., & Wulansari, F. (2024). Analisis Penggunaan E-Commerce Shopee terhadap Perilaku Konsumtif pada Generasi Z (Studi Kasus Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Nadhlatul Ulama Kalimantan Barat). AKSIOMA : Jurnal Sains Ekonomi Dan Edukasi, 1(8), 561–580. https://doi.org/10.62335/556n6q98

Febriani, D. S., Safitri, E. M., & Wulansari, A. (2025). Analisis Pengaruh Risiko dan Manfaat Terhadap Niat Pengguna Fintech Paylater Pada Aplikasi Shopeepay Menggunakan UTAUT2. ILTEK : Jurnal Teknologi, 20(1), 82–90. https://doi.org/10.47398/iltek.v20i01.232

Hutahaean, N. D. (2025). 5 Aplikasi Paylater Favorit Gen Z dan Milenial Indonesia 2025. Goodstats. https://goodstats.id/article/5-aplikasi-paylater-favorit-gen-z-dan-milenial-di-indonesia-2025-E9TsL

Jalantina, D. I. K., & Minarsih, M. M. (2025). Analysis Of Generation Z Consumer Behavior In The Digital Era. Jurnal Bingkai Ekonomi (JBE), 10(1), 43–56. https://doi.org/10.54066/jbe.v10i1.503

Junaedi, D., Sholihah, F., Ali, D. itriani, Agustin, D. W., & Rohmah, D. A. (2023). Pengaruh Platfrom E-Commerce Terhadap Perilaku Konsumen Gen-Z: Studi Kasus Prodi Ekonomi Universitas Nurul Jadid. HATTA: Jurnal Pendidikan Ekonomi Dan Ilmu Ekonomi, 1(2), 104–108. https://doi.org/10.62387/hatta.v1i2.52

Kotler, P., Armstrong, G., & Balasubramanian, S. (2023). Principles of Marketing 19th Ed. Global Ed. Pearson.

Kotler, P., & Keller, K. L. (2022). Marketing Mangement. Pearson Edition Limited.

Kotler, P., Keller, K. L., & Chernev, A. (2022). Marketing Management (16th Editi). Pearson Education, Inc.

Kristanto, A., Nurchayati, Prasetyo, H. E., & Ikut, C. I. (2025). Pengaruh Promosi , Kemudahan Transaksi dan Kepercayaan Pada Pengguna Shopee Paylater Terhadap Keputusan Pembelian. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 8(1), 62–73. https://doi.org/10.36778/jesya.v8i1.1799

Lubi, A., & Sanaji, S. (2023). Testing The Theory Of Planned Behavior And Perceived Risk To Predict Intention To Used Of Pay Later Services. Journal of Business and Management Review, 4(9), 669–685. https://doi.org/10.47153/jbmr49.7882023

Marbella, R. Y. T., Hakimah, E. N., & Ratnanto, S. (2024). Pengaruh Kepercayaan, Kemudahan, Dan Risiko Terhadap Keputusan Pembelian Menggunakan Pembayaran Shopee Paylater. Ganec Swara, 18(1), 209. https://doi.org/10.35327/gara.v18i1.751

Muhamad, N. (2024). Milenial dan Gen Z Mendominasi Pengguna Paylater di Indonesia. Databoks. https://databoks.katadata.co.id/media/statistik/66b5d6e18dff3/milenial-dan-gen-z-mendominasi-pengguna-paylater-di-indonesia

Nikolaus, K. F., Setiawan, A., & Djajadikerta, H. (2024). Pengaruh Penggunaan Metode Pembayaran Pay Later dan Financial Literacy Terhadap Perilaku Pembelian Impulsif oleh Pengguna E-Commerce Generasi Z di Indonesia. Innovative: Journal Of Social Science Research, 4(3), 11274–11289. https://doi.org/10.31004/innovative.v4i3.11416

Ramdan, M., Putri, S. A., Fitriani, A., & Shalsabilla, Y. (2024). Meningkatkan Minat Menabung Sejak Dini Kepada Siswa Desa Biru Kecamatan Majalaya. Toewijding : Jurnal Pengabdian Kepada Masyarakat, 1(1), 8–13. https://doi.org/10.51988/ndxxmy86

Restike, P. K., Prasasti, D., Fitriani, D. I., & Ciptani, M. K. (2024). Pengaruh Literasi Keuangan, Perilaku Pembelian Implusif, Dan Gaya Hidup Terhadap Penggunaan Shopee Paylater Gen Z. JAB: Jurnal Akuntansi Bisnis, 22(1), 100–113. https://doi.org/10.24167/jab.v22i1.11609

Rossa, A., & Ashfath, F. (2022). Risiko dan Keamanan terhadap Impulse Buying Pengguna SPaylater (Shopee Paylater) di Jadetabek. Prosiding SNAM PNJ, 1–15.

Sarihim, & Tambunan, L. A. (2022). Pengaruh Paylater Terhadap Keputusan Pembelian Kembali Produk Di E-Commerce Shopee. Jurnal Ilmiah Manajemen, Ekonomi Dan Bisnis, 1(2), 17–20. https://doi.org/10.51903/jimeb.v1i2.343

Sitepu, G. A., & Fadila, A. (2024). Analisis Pemanfaatan Layanan Paylater di Era Keuangan Digital oleh Generasi Z. Journal of Young Entrepreneurs, 3(1), 57–70.

Sulaeman, E., & Safrianto, A. S. (2024). Pengaruh Kemudahan dan Keamanan terhadap Kepuasan Pengguna Shopee Pay Later di Kota Bekasi. Jurnal Ekonomi Dan Industri, 25(1), 16–24. https://doi.org/10.35137/jei.v26i2.621

Susilawati, M., Kristiastuti, F., & Kurniawan, R. (2023). Pengaruh Literasi Keuangan Dan Kemudahan Transaksi Terhadap Penggunaan Shopee Paylater. Jurnal Administrasi Bisnis, 19(1), 75–85. https://doi.org/10.26593/jab.v19i1.9073.75-85

Widayanto, N., Lahitani, A. R., & Kusumaningtyas, N. I. (2021). Analisis Keamanan Data Pribadi pada Shopee Paylater Menggunakan Metode Hybrid. Teknomatika: Jurnal Informatika Dan Komputer, 15(1), 28–33. https://doi.org/10.30989/teknomatika.v15i1.1097

Downloads

Published

2026-06-19

How to Cite

Prasna, K. D., Handayani, S., & Yeni, Y. (2026). Keamanan, kemudahan dan promosi fitur Shopee Paylater dalam keputusan pembelian gen Z. Journal of Management and Digital Business, 6(2), 879–896. https://doi.org/10.53088/jmdb.v6i2.2943