EXAMINING THE EFFECTS OF FINANCIAL PLANNING, INCOME, AND LIFESTYLE ON CONSUMER ADOPTION OF PAYLATER SERVICES

Abstract

This study aims to determine whether the use of PayLater can affect financial planning, income, and consumer lifestyle. The sample in the study was 90 millennials. The research analysis method used was multiple linear regression with SPSS-26. The results of the study showed that financial planning had no effect on PayLater use, income did affect PayLater use, and lifestyle did affect PayLater use. The regression analysis showed an R Square value of 0.43 or 43%, which means that 43% of the variables of financial planning, income, and lifestyle were able to influence 43% of PayLater use. While the remaining 57% was explained by other variables not tested in this study.