Published: 2026-06-10

Digital Financial Literacy, Consumptive Behavior, and Behavioral Intention in Using SPayLater in Indonesia

DOI: 10.35870/ijmsit.v6i1.7026

Cristina, Fry Melda Saragih
  • Cristina: Institut Teknologi dan Bisnis Sabda Setia
  • Fry Melda Saragih: Institut Teknologi dan Bisnis Sabda Setia
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Abstract

The rapid growth of financial technology (fintech) is reshaping how consumers manage their finances, particularly through e-commerce platforms such as Shopee. Among its innovations, the SPayLater feature has gained wide attention but also raised concerns about impulsive spending and low digital financial literacy among consumers. This study investigates the influence of digital financial literacy and consumptive behavior on consumers’ decisions to use SPayLater, while also testing the mediating role of behavioral intention. A quantitative survey was conducted with 100 SPayLater consumers using a structured questionnaire, and the data were analyzed through multiple linear regression and path analysis. The findings show that both digital financial literacy and consumptive behavior significantly affect consumers’ decisions, whereas behavioral intention does not have a direct effect but partially mediates the relationship between consumptive behavior and usage decisions. These results highlight the importance of strengthening consumers’ digital financial literacy and managing consumptive behavior to encourage wiser and more responsible use of fintech services.

Keywords

Behavioral Intention; Consumer Behavior; Digital Financial Literacy; Fintech; SPayLater

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How to Cite

Cristina, C., & Saragih, F. M. (2026). Digital Financial Literacy, Consumptive Behavior, and Behavioral Intention in Using SPayLater in Indonesia. International Journal of Management Science and Information Technology, 6(1), 835-842. https://doi.org/10.35870/ijmsit.v6i1.7026
Article Information

This article has been peer-reviewed and published in the International Journal of Management Science and Information Technology. The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 6 No. 1 (2026)

  • Section: Articles

  • Published: 2026-06-10

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Author Biographies
Cristina, Institut Teknologi dan Bisnis Sabda Setia
Google Scholar ResearchGate ORCID

Digital Business Study Program, Institut Teknologi dan Bisnis Sabda Setia, Pontianak City, West Kalimantan Province, Indonesia

Fry Melda Saragih, Institut Teknologi dan Bisnis Sabda Setia
Google Scholar ResearchGate ORCID

Digital Business Study Program, Institut Teknologi dan Bisnis Sabda Setia, Pontianak City, West Kalimantan Province, Indonesia

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