Dynamics of Paylater Usage in Personal Finance Management: A Bibliometric Study

Authors

  • Loso Judijanto IPOSS Jakarta Author

DOI:

https://doi.org/10.71238/sneb.v2i01.56

Keywords:

Buy Now Pay Later, Personal Finance Management, Consumer Behavior, Financial Literacy, Bibliometric Analysis

Abstract

This study explores the evolving academic discourse surrounding Paylater (Buy Now Pay Later) services in the context of personal finance management through a comprehensive bibliometric analysis. Using data from the Scopus database and visualization tools from VOSviewer, the research maps key trends, authorship networks, thematic clusters, and emerging research areas within the literature. The analysis identifies that early studies predominantly focused on technology adoption factors such as ease of use, trust, service quality, and intention to use often framed by models like the Technology Acceptance Model (TAM). Over time, the literature has shifted toward behavioral and psychological aspects, including impulsive buying, financial literacy, and social influence. The co-authorship network reveals a fragmented yet growing scholarly community, while the keyword overlay and heatmaps suggest an increasing focus on consumer behavior and the potential financial risks associated with Paylater use. This study provides a valuable foundation for scholars, practitioners, and policymakers seeking to understand the intellectual structure of the field and to guide future research on the implications of Paylater in personal finance management.

Downloads

Download data is not yet available.

References

A. N. Bahasoan dan N. Qamariah, “Buy Now, Pay Later Culture: Economic Analysis of the PayLater Phenomenon Among Gen Z,” Int. J. Financ. Bus. Manag., vol. 3, no. 3, hal. 207–220, 2025.

V. Serenade, B. Gusniar, dan Y. Rahmasari, “Trend Analysis: Consumer Behavior towards the Decision to Use Shopee Paylater,” UPI YPTK J. Bus. Econ., vol. 9, no. 2, hal. 14–20, 2024.

M. G. Faisal, “The Influence of Paylater Existence on the Level of Impulsive Buying Behavior in Society,” J. Econ. Educ. Entrep. Stud., vol. 5, no. 4, hal. 622–630, 2024.

F. Emiliyana dan T. A. Safitri, “The The Effect of Financial Literacy and Financial Technology Payment on Financial Management of Students Using Paylater,” in Proceeding Universitas Muhammadiyah Yogyakarta Graduate Conference, 2023, hal. 309–317.

A. Z. Zein dan F. Sartika, “Financial Literacy, Consumptive Behavior, and Lifestyle on the Use of Shopee PayLater with the Moderating Role of Financial Behavior,” Indones. Interdiscip. J. Sharia Econ., vol. 8, no. 2, hal. 5910–5927, 2025.

T. Nur dan P. A. Dewanto, “The influence of attitude toward behavior, subjective norms, perceived behavioral control on the behavioral intention of using PayLater apps moderated by financial literacy and hedonic value,” in 2022 10th International Conference on Cyber and IT Service Management (CITSM), IEEE, 2022, hal. 1–6.

F. Kurniasari, J. N. Prihanto, dan N. Andre, “IDENTIFYING DETERMINANT FACTORS INFLUENCING USER’S BEHAVIORAL INTENTION TO USE TRAVELOKA PAYLATER.,” Eastern-European J. Enterp. Technol., vol. 122, no. 13, 2023.

T. Arisandy, Y. Bin Dasril, S. N. Bin Salahudin, M. A. Muslim, A. Adnan, dan G. K. Wen, “Buy now pay later services on generation z: exploratory data analysis using machine learning,” J. Theor. Appl. Inf. Technol., vol. 101, no. 11, hal. 4194–4204, 2023.

H. P. Chernovita, “The Role of Financial Literacy to Suppress Temptation of Using PayLater Service,” in 2020 IEEE 10th Symposium on Computer Applications & Industrial Electronics (ISCAIE), IEEE, 2020, hal. 113–117.

C. Budiman, K. Tanjaya, A. Zulkarnain, dan D. Rosman, “The effect of paylater on purchase decision and continuance intention in generation Z at GoFood application,” in E3S Web of Conferences, EDP Sciences, 2023, hal. 1084.

A. A. Setiawan, Y. E. Silaen, T. Andreas, dan T. Oktavia, “Analysis of Intention to Use on Pay Later Payment System During COVID-19 Pandemic,” Int. J. Emerg. Technol. Adv. Eng., vol. 12, no. 3, hal. 119–129, 2022.

N. Dominic dan B. Pardamean, “Decision Theory and Risk Simulation Analysis for Optimizing Profit in PayLater Services,” Procedia Comput. Sci., vol. 219, hal. 60–67, 2023.

S. R. Basana, M. I. Malelak, dan Z. J. H. Tarigan, “The effect of excessive social networking sites on credit overuse behavior through money trust, money anxiety, and money power.” Petra Christian University, 2023.

A. Gunawan, S. F. Wahyuni, dan M. Sari, “Factors affecting financial management behavior of Paylater users in Indonesia: Examining the moderating role of locus of control,” Invest. Manag. Financ. Innov., vol. 20, no. 4, hal. 171, 2023.

Y. Pratika, S. Salahudin, D. W. U. Riyanto, dan T. Ambarwati, “Analysis of pay later payment system on online shopping in Indonesia,” J. Econ. Business, Account. Ventur., vol. 23, no. 3, hal. 329–339, 2020.

D. K. IRSYA, “EVALUATING THE IMPACT OF RESPONSIBLE FINANCIAL BEHAVIOR ON FINANCIAL WELL-BEING OF BUY-NOW-PAY-LATER USERS IN INDONESIA”.

R. N. Ainy, A. Ariesanti, K. A. Fachrudin, O. S. Sa’dani, dan Z. S. I. Diati, “THE BUY NOW PAY LATER PARADOX: FINANCIALLY LITERATE YET IMPULSIVE?,” Rev. Gestão Soc. e Ambient., vol. 19, no. 5, hal. 1–25, 2025.

T. K. Pertiwi, C. Joseph, G. O. Warmana, F. Khoirotunnisa, dan N. Hariyana, “Exploring Platform Trust, Borrowing Intention, and Actual Use of PayLater Services in Indonesia and Malaysia,” J. Risk Financ. Manag., vol. 18, no. 5, hal. 255, 2025.

Downloads

Published

2025-06-30

How to Cite

Dynamics of Paylater Usage in Personal Finance Management: A Bibliometric Study. (2025). Sciences Du Nord Economics and Business, 2(01), 11-19. https://doi.org/10.71238/sneb.v2i01.56