期刊名称：Journal of Theoretical and Applied Information Technology
印刷版ISSN：1992-8645
电子版ISSN：1817-3195
出版年度：2021
卷号：99
期号：14
语种：English
出版社：Journal of Theoretical and Applied
摘要：Online trading transactions have experienced rapid development in recent years, both in terms of users, and the number of transactions continues to increase year after year. Paylater, with various innovative features that offer many conveniences, it is believed to increase financial literacy and inclusion for the Indonesian people. This study aims to analyze the effect of perceived usefulness, ease of use, and security on using paylater applications. The data collection method in this research is a survey by distributing questionnaires via google form for the population in the areas of Jakarta, Bogor, Depok, Tangerang, and Bekasi (Jabodetabek). The sampling technique used was purposive sampling, namely paylater users who live in the Jabodetabek area, and snowball sampling in which data were collected in a chain through group messages. We use SmartPLS software for analysis the data and the results of the path coefficient describe only the perceived usefulness, has a significant effect on the intention to use the paylater application. In contrast, the perception of ease of use and security does not significantly affect the intention to use the paylater application. This research shows the results that a person's decision to use a paylater is strongly influenced by their perception of the benefits that the paylater application can provide. It is very natural for someone to choose things that benefit for him.
关键词：Paylater;Usefulness;Ease of Use;Security;Intention to U
