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BNPL Ease of Use, Perceived Risk, and Financial Literacy as Predictors of Impulsive Buying among TikTok Shop Users

  • Victor Victor1
  • Latersia Br Gurusinga2
  • Alya Hafsa3*
1,2,3 Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi
* Corresponding Author: Alya Hafsa

Abstract

This study examines the effects of BNPL ease of use, perceived risk, and This study examines the effects of BNPL ease of use, perceived risk, and financial literacy on the impulsive-buying behaviour of TikTok Shop users. Social-commerce platforms that integrate live-streaming, promotional content, and embedded Buy Now Pay Later (BNPL) services have intensified unplanned purchasing among young digital consumers in Indonesia, yet the joint role of technology-use perceptions, risk perceptions, and financial literacy remains inconclusive. A quantitative associative design was adopted. Primary data were collected through a self-administered questionnaire using a five-point Likert scale from 74 students at STMB Multismart Medan who are TikTok Shop users, drawn from a population of 288 by applying the Slovin formula with a 10% margin of error and selected via accidental sampling. Data were analysed with Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4, following a two-step evaluation of the measurement and structural models with 5,000 bootstrap resamples. The results show that BNPL ease of use (β = 0.297; p = 0.019), perceived risk (β = 0.312; p = 0.008), and financial literacy (β = 0.331; p = 0.007) each exhibit a positive and statistically significant association with impulsive buying. Together, the three predictors explain 67.0% of the variance in impulsive buying (R² = 0.670; adjusted R² = 0.656), indicating moderate explanatory power. The study contributes to the digital-consumer-behaviour and fintech literatures in three ways: (i) it extends the Technology Acceptance Model (TAM) from adoption intention to a post-adoption consumption outcome (impulsive buying) in a social-commerce setting; (ii) it integrates cognitive, risk, and competence antecedents in a single empirical model; and (iii) it documents counter-conventional positive associations of perceived risk and financial literacy with impulsive buying in a BNPL-enabled environment. The findings offer practical implications for platform managers, BNPL providers, and consumer-education practitioners regarding transparent risk disclosure, responsible BNPL design, and context-sensitive financial-literacy interventions. Given the single-institution, non-probability sample, the findings are indicative rather than generalisable and should be interpreted as statistical associations rather than confirmed causal effects.

Keywords

BNPL ease of use Perceived risk Financial literacy Impulsive buying Social commerce TikTok Shop

How to Cite

Citation Format
Victor, V., Gurusinga, L. B., & Hafsa, A. (2026). BNPL Ease of Use, Perceived Risk, and Financial Literacy as Predictors of Impulsive Buying among TikTok Shop Users. International Journal of Management Science and Information Technology, 6(2), 3174-3183. https://doi.org/10.35870/ijmsit.v6i2.9014

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Author Biographies

Victor Victor, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi

Management Study Program, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi, Medan City, North Sumatra Province, Indonesia

Latersia Br Gurusinga, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi

Accounting Study Program, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi, Medan City, North Sumatra Province, Indonesia

Alya Hafsa, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi

Management Study Program, Sekolah Tinggi Manajemen Bisnis Multi Sarana Manajemen Administrasi dan Rekayasa Teknologi, Medan City, North Sumatra Province, Indonesia

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Copyright (c) 2026 Victor Victor, Latersia Br Gurusinga, Alya Hafsa

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This work is licensed under a Creative Commons Attribution 4.0 International License.

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