The Influence of Lifestyle, Financial Literacy, and User Ease on Employee Usage of ShopeePaylater
Keywords:
Shopee PayLater, Lifestyle, Financial Literacy, User EaseAbstract
This study analyzes the influence of lifestyle, financial literacy, and user ease on employee decisions to utilize Shopee Paylater. Using a quantitative approach with employee samples, the results demonstrate that these three variables significantly influence Paylater users' decisions. A consumptive lifestyle increases usage frequency, while good financial literacy plays a role in financial risk management. Ease of access and a user-friendly interface support sustainable service delivery. These findings contribute to the understanding of digital consumer behavior and form the basis for developing effective financial education and marketing strategies.
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