International Journal of Education, Information Technology

and Others (IJEIT)

https://peneliti.net/index.php/IJEIT
Vol. 5, No.2, March 2022

The Influence Of Financial Literature, Benefits, Easy And Income On Interest In Using
Shopee Paylater (Study On Milenial Generation, Bekasi Regency)

Murti Wijayanti1, Heni Rohaeni2, Aswiyatul Mukarromah3, Tyna Yunita4

1,2,3,4
Fakultas Ekonomi dan Bisnis, Universitas Bhayangkara, Bekasi, Indonesia
Email: [email protected]
Article Info Abstract:
Article History: This study was used to measure the effect of financial literacy,
Received: 20 March 2022 perceived usefulness, perceived ease of use and income on interest in
Revised: 30 March 2022 using Shopeepaylater (a study of the millennial generation Bekasi
Published: March 2022 Regency. This research is quantitative research where the object used
e-ISSN: 2623-2324 is the millennial generation in Bekasi Regency. The number of
p-ISSN: 2654-2528 samples used in this study was 119 respondents. Data collection
DOI: 10.5281/zenodo.6631297 techniques using questionnaires and data processing and hypothesis
testing using SmartPLS 3.0. The results of this study explain that the
financial literacy variable has a positive effect on interest in the use,
the perceived usefulness has a negative effect on interest use, the
perceived ease of use does not effect on interest use and the the income
variable does not effect interest in use.

Keywords: Financial Literacy, Perceived Use, Perceived Ease Of

Use , Income, Invention Use
INTRODUCTION
The existence of the Covid-19 pandemic that has been in Indonesia since early March
2020 has made changes to the habits of the Indonesian people in various aspects. One of these
changes is in the aspect that makes people choose to change habits from conventional or face-
to-face between sellers and buyers to online to reduce the spread of Covid-19 (Rosita, 2020).
The development of e-commerce and changes in people's habits in shopping online have also
triggered the development of payment methods, namely the presence of financial technology
or fintech (Gunawan, 2018). The Financial Technology (fintech) payment system makes
buying and selling transactions more efficient, economical and effective. The buy now pay
later system or known as paylater is one of the interesting innovations offered by fintech (Asja
et al., 2021).
As the name suggests, the buy now pay later system or paylater adopts an online loan
facility that allows consumers to make purchases of goods and services quickly without having
to pay for the transaction immediately and can make payments for these transactions at a later
date. Paylater payments can be made by paying at maturity in one payment or in installments
(Canestren & Saputri, 2021). The existence of a paylater makes people not have to worry when
they don't have enough money they can still meet their needs. The novelty of payment systems
in various e-commerce platforms has made paylater more popular in the community, this is
indicated by the increasing number of paylater users from time to time (Sari, 2021).

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 Currently, according to a study conducted by the Research Institute of Socio-
Economic Development (RISED) and Universitas Airlangga (UNAIR) in February 2021, it
also conveyed the results of a survey of 2000 respondents in 10 Indonesian provinces that users
of the paylater payment system had reached 83% and the intensity of using the paylater
payment system during the Covid-19 pandemic has skyrocketed from once or twice a month
its use has increased to more than 3 times or even up to 10 times of use for one month (Azzahra,
2021). This increase in public interest is also supported by the OJK statistical report regarding
the accumulation of the number of borrower transactions that continues to increase every month
which can be concluded that the public has a high interest (Asja et al., 2021).
600,000,000
500,000,000
400,000,000
300,000,000
200,000,000
100,000,000
0

Figure 1 Accumulated Number of Borrower Transactions

Source: OJK (2021)

According to research conducted by DailySocial, the most users of the paylater

payment system are Shopeepaylater users with a percentage of 54.3%. As many as 50.5% are
users of the Gopaylater payment system, 28.9% are OVO paylater users, 18% are paylater users
at Tokopedia, 11.3% are paylater users at Traveloka and 5.5% are paylatZer users at Pegipegi.
(Lidwina, 2020).

Figure 2. Percentage of Use of Paylater Features in Applications

Shopee paylater or Spaylater is an unsecured online loan and credit card that is used
as a financial solution for Shopee application users (Asja et al., 2021). Interest in using
Spaylater has increased from time to time.
The OJK statistical report also shows that this borrower transaction is widely used by
the millennial generation with an accumulation of users aged 19-34 years as much as 67.19%,
and 35-54 years old 30.44%.(ojk.go.id, n.d.). The millennial generation is a generation born in
1981 to 2000 with a current age of 40 to 21 years. This generation was born in the rapid
development of internet technology (Rianto et al., 2020). Because this Shopee Paylater feature
is an online loan, the concept of using it without using a credit card makes the millennial
generation like this feature (Fadhila et al., 2020).
The ease of using paylater services accompanied by the rapid use of technology and
ease of accessing the internet requires knowledge related to financial literacy. Because behind
the positive side of using a paylater payment system during the Covid-19 pandemic which can
provide benefits and there are conveniences, this paylater payment system can be a negative
thing if users of this payment system are irresponsible or unable to pay their obligations due to

390
the weak personal economy due to the pandemic. This Covid-19 (Asja et al., 2021). Income
can affect the smoothness of a person paying his obligations. Low income can also trigger
financial problems such as being irresponsible or unable to pay their obligations (Haikal &
Wijayangka, 2021).
Previous studies have examined factor variables that can have an influence on interest
in use, such as: (Mayssara A. Abo Hassanin Supervised, 2020) and (Haikal & Wijayangka,
2021) which says that the financial literacy variable has a positive effect on interest in use and
is contrary to the results of the study (Giriani & Susanti, 2021) .
In research (Asja et al., 2021) and (Prasetya & Putra, 2020) gives the result that the
benefits have a positive effect on interest in use. The two results of this study contradict the
results of the study (Himawati, 2018) and (Ramadhan et al., 2016) which said that the benefits
had no effect on interest in use.
Regarding the income variable on interest in use in research conducted by (Asja et al.,
2021) and (Russetyowati, 2018) The results show that the level of interest in use is influenced
by the level of income. and contrary to research (Nur Fadhillah, 2018) which states that income
does not affect interest in use.
Sari's research (2019) shows that the perception of ease and the perception of trust
have a positive and significant influence on the interest in reusing.
Based on the description of the background above, there are gaps and inconsistencies
in previous research and there is no merger between financial literacy variables, benefits and
income on interest in using variables, this study proposes the title "The Influence of Financial
Literacy, Benefits, Ease, and Income on Interest in Using ShopeePaylater (Study on the
Millennial Generation in Bekasi Regency)” with the research focus only looking at the effect
of financial literacy, benefits, convenience and personal income on interest in using paylaters
on the Shopee platform and the object of research focused on the millennial generation in
Bekasi Regency who use paylaters on the Shopee platform.

LITERATURE REVIEW
Financial Management
According to (Musthafa, 2017) Financial management relates to decisions that must
be taken, whether decisions relating to decisions in investing, meeting needs, or decisions in
dividends. According to (Sudana, 2019, p. 13) Financial management is one of the functional
areas concerned with the study of investing, financing, and profit management. According to
(Giltman, 2004) Personal financial management is an art and science in managing the financial
resources of the individual itself which includes two elements, namely knowledge of finance
and the art of managing.
The definition of personal financial management can be concluded from the definitions
above that financial literacy is a field of science that is used to perform financial management
for individuals in relation to making decisions such as investment, meeting needs, funding,
profit management and decisions in terms of dividends.
Personal financial management includes decisions about buying and owning as many
productive assets as possible, managing expenses, being careful with debt, setting aside for the
future. According to the Financial Services Authority, to be able to manage finances properly,
processes or activities are needed to increase knowledge, confidence and skills in the
community contained in financial literacy.
Financial Literacy
Financial literacy is the key to making decisions, and a person will avoid mistakes in
making decisions related to finance (Jain & Roy, 2020). According to (Putri & Tasman, 2019,
p. 152) Financial literacy is a form of achieving prosperity that is obtained from the knowledge
and ability about finance. Financial literacy can also be interpreted as a process of developing

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related knowledge, beliefs and skills with the final achievement of being able to perform better
financial management. According to (Puput & Sulistyowati, n.d., p. 63) Financial literacy is
specifically related to knowledge and ability to be applied to behavior and even good financial
experience.
The conclusion from the several definitions above that financial literacy is related to
the knowledge and abilities used to make a decision with the ultimate goal of good financial
well-being and avoiding all kinds of risks of financial decision-making errors..
Factors that affect the level of financial literacy according to (Margaretha & May Sari,
2015, p. 144) namely age, financial knowledge and abilities related to mathematics, financial
attitude, household income, education and work. Financial literacy has several areas that must
be mastered. According to (Xue et al., 2016) mentions the scope of financial literacy includes:
1. Basic knowledge
2. Saving and borrowing
3. Insurance
4. Investment
Perception of Benefits
Perception of benefits is the stage where a person already believes that using a system
can provide benefits for him (Giriani & Susanti, 2021). (Pratama & Suputra, 2019, p. 933) said
that Perceived usefulness can be defined as a person's level of belief that using a particular
technology can improve their performance. Perceived usefulness can also be defined as a belief
that a person feels about usefulness or perceived usefulness is a form of trust in the decision-
making process, so when they feel that a system is useful when used, they will use it.
(Priambodo & Prabawani, 2016, p. 3). From this definition, it is known that the perception of
benefits is the user's trust when using a system can provide usability benefits so that it can
improve user performance.
According to (Nurul Haqiqi et al., 2020) Factors that influence interest in use are
perceived benefits, where perceived benefits can be defined as the extent to which a person
sees the level of profit he will get in the use of financial instruments. In TAM (Technology
Acceptance Model) it is assumed that an information technology can be accepted by someone,
one of which is influenced by the benefits of usability. The purpose of TAM is to describe what
factors influence the behavior of users in accepting to use a technology (Pratama & Suputra,
2019, p. 933). The measurement of the perceived benefit variable in this study was measured
by;
1. Improve individual performance, by using a system a person believes that can improve his
performance.
2. Increase individual productivity, by using the system a person believes that his or her
productivity can be increased.
3. Increase effectiveness, using the system a person believes that in individual performance
can be more effective.
4. Generate benefits for the individual, as a whole by using the system a person believes that
can provide benefits for that person.

Convenience
Perception of convenience is the act of an individual who believes that using a certain
technology can reduce his efforts to do something (Davis, 1989). The ease of using technology
can be said to be easy if when using a technology a person does not require great effort and
does not find it difficult. In this research, this dimension refers to the extent to which users feel
that when using Shopeepaylater technology it is easy or not difficult to use and simple.
According to (Elsa & Bulan, 2019) the measurement of the perceived convenience
variable can be measured by:

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1. Its use is easy to understand and learn
2. Its use can make work easier and according to needs.
3. Its use improves skills
4. Its use is not difficult to operate.

Income
According to the KBBI, income is the result of work. Personal income is all income
received by a person within a certain period of time, whether it is obtained from carrying out
certain activities or not doing certain activities (Russetyowati, 2018). According to
(Yulianingrum et al., 2021, p. 72) income is all the money earned by a person in a certain period
of time, usually one year. Income or income can also be defined as someone who earns income
in the form of cash or not within a certain period of time and can be used to make certain
transactions.
The definition of personal income or personal income is the amount of money that a
person earns from carrying out certain activities such as work (receiving wages), profits from
his business or profits from investments for a certain period of time and can be used to make
transactions..
According to (Russetyowati, 2018) when the income received by a person is higher,
the higher the level of consumption spent or his lifestyle will increase. So, when the income
they get increases, the interest in using new products will be higher, and vice versa. According
to (Vijayanti & Murjana Yasa, 2016, p. 12) the factors that influence the amount of income are
such as gender, age, working hours, dependents, business time, capital and other factors.
The income in this study is measured by:
1. Income derived from work. This income is the income that a person earns in a certain time
or period from the results he works.
2. Income earned without providing services. This income is income that a person earns
without providing any activity.
Interests of Use
Interest according to the KBBI is a desire for or towards something and use is the use
of something. According to (Asja et al., 2021) interest in use is the emergence of a tendency
for users to use a technology or system. Interest in use is an impulse in the form of a desire to
use a technology. According to Sudrajat in (Russetyowati, 2018) there are two factors that can
influence a person's interest, namely as follows::
1. Internal factors. This internal factor comes from a person's self in the form of
encouragement. The internal factors themselves consist of perceptions, beliefs/beliefs,
personal expectations, needs, feelings of pleasure or displeasure and satisfaction.
2. External factors. This external factor is in the form of economic status. According to
Hurlock in (Russetyowati, 2018), if the economic status of a person improves, people will
tend to expand their interests, for example being able to do something that they were not
able to do before. Vice versa, if the economic status declines, the person tends to reduce
their interest. In this study, economic status is measured by income.
Interest in use in this study is measured by the desire to transact, will recommend to
others and the desire to continue to use it (Pratiwi et al., 2018).
1. Will transact. Interest in use can be seen from a person's desire to continue to transact using
the system or technology.
2. Would recommend. Interest in use can be seen from how someone recommends the system
or technology that he uses to others.
Continue to use. Interest in use can be seen from someone who continuously uses the
system or technology.

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RESEARCH METHOD
This research design uses descriptive and verification methods with a quantitative
approach because through this method the condition of the object or subject will be described
directly, showing the influence caused by the independent variable on the dependent variable
and collecting data using a questionnaire through statistical data processing with the ultimate
goal of testing pre-defined hypotheses.
The population of this study uses the millennial generation in Bekasi Regency as the
population. The sample in this study was obtained by using a purposive sampling technique.
The criteria used in the sampling of this research are the generation aged 21-40 years and living
in Bekasi Regency, have or have used paylater on the Shopee platform during this Covid-19
pandemic.
The number of samples in this study was determined by the method of (Hair et al.,
1973) determining the number of samples depending on the number of indicators multiplied
by 5 to 10.

RESEARCH RESULTS AND DISCUSSION

1. Outer Model Measurement Results

Gambar 4. Hasil Uji Outer Model, SmartPLS 3.0

The measurement of the outer model is carried out to test the validity and reliability
with the aim of seeing whether the instrument in the study is valid and reliable. It can be said
to be valid if the outerloading value is greater than 0.7 (Ghozali & Latan, 2015). Based on the
results of the outer model in the picture above, it can be seen that there are several instruments
that are not valid and must be removed so that only 6 items are left in the financial literacy
variable, namely items 2, 4, 5, 7, 8 and 9. The benefit variable consists of 1 item, namely item
1. The convenience variable consists of 2 items, namely item 2, and 3. The income variable
consists of 3 items, namely items 1,2 and 3. The usage interest variable consists of 2 items,
namely items 1 and 2.

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 Table 1. Table of Cronbach's Alpha and AVE
Cronbach’s Rho_ Reliabilitas Rata-Rata Varians
Alpha A Komposit Diekstrak (AVE)
Financial
0,906 1,070 0,927 0,679
Literacy
Benefit 1,000 1,000 1,000 1,000
Cronbach’s Rho_ Reliabilitas Rata-Rata Varians
Alpha A Komposit Diekstrak (AVE)
Convenience 0,766 1,070 0,884 0,793
Income 0,782 0,879 0,870 0,693
Usage
0,757 0,821 0,889 0,800
Interest

It can be said that it is reliable and the research can be continued if the value of
Cronbach's alpha is greater than 0.7 and the AVE value is greater than 0.5 (Ghozali & Latan,
2015). Based on the table above, it can be concluded that all variables can be said to be reliable
and the research can be continued because the value of cronbach's alpha of the financial literacy
variable is 0.906 > 0.7 , the benefit variable has a cronbach's alpha value of 1,000 > 0.7 , the
convenience variable has a cronbach's alpha value of 0.766 > 0.7, the income variable has a
cronbach's alpha value of 0.782 > 0.7, and the use interest variable has a cronbach's alpha value
of 0.757 > 0.7. And the AVE value of the financial literacy variable is 0.679 > 0.5, the AVE
value of the benefit variable is 1,000 > 0.5, the AVE value of the convenience variable is 0.793
> 0.5, the AVE value of the income variable is 0.693 > 0.5, and the AVE value of the variable
usage interest of 0.800 > 0.5.
Hasil Pengukuran Inner Model

Figure 5. Inner Model Test Results, SmartPLS 3.0

The picture above shows the results of the measurement of the inner model, this test is
useful for answering the predetermined hypothesis.
Table 2. Bootstrapping Test Results
Standar P
Sampel Rata-rata T Statistik (|
Deviasi Valu
Asli (O) Sampel (M) O/STDEV |)
(STDEV) es
Financial Literacy - 0,00
0,503 0,496 0,140 3,587
> Usage Interest 0
Benefits -> Interests 0,02
-0,153 -0,151 0,066 2,329
of Use 0

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 Ease -> Interests of 0,85
-0,019 -0,027 0,108 0,179
Use 8
Income -> Usage 0,83
0,031 0,049 0,146 0,214
Interest 1

Based on the results of the table above, it can be concluded that the hypothesis that has
been determined on the Financial Literacy variable is acceptable because the P-Value value is
0.000 <0.5 in other words, financial literacy has an effect on the interest in using
ShopeePaylater in the Millennial Generation of Kab. Bekasi. The hypothesis on the benefit
variable can be accepted because the P-Value value is 0.020 < 0.5 in other words the benefit
has an effect on interest in use but the origin sample value for the benefit variable is -0.153 so
it can be concluded that the benefit variable has a negative effect on interest in using
ShopeePaylater in the Millennial Generation of Kab. . Bekasi. The hypothesis on the
convenience variable is rejected because the P-Value value is 0.858 > 0.5 in other words,
convenience does not affect the interest in using ShopeePaylater in the Millennial Generation
of Kab. Bekasi. The hypothesis on the income variable is rejected because the P-Value value
is 0.831 > 0.5 in other words, income has no effect on the interest in using ShopeePaylater in
the Millennial Generation of Kab. Bekasi.
Hypothesis 1: Financial literacy affects the interest in using ShopeePaylater in the Millennial
Generation in Bekasi Regency.
The results of this study are in line with research conducted by (Mayssara A. Abo
Hassanin Supervised, 2020). Financial literacy consists of knowledge and skills that can
influence attitudes in decision making, especially for financial management in order to prosper
their lives, especially during the Covid-19 pandemic when conditions become abnormal. When
the level of financial literacy in the millennial generation is high, it can encourage them to use
new technologies such as Shopee paylater. Through Shopee Paylater, the millennial generation
can meet increasing needs and must continue to be met during the Covid-19 pandemic, for
example, there are some needs that before the Covid-19 pandemic were not really needed but
during the Covid-19 pandemic these needs became a must to be fulfilled.
Hypothesis 2: Benefits have a negative effect on interest in using Shopee Paylater in the
Millennial Generation of Bekasi Regency.
The results of this study are in line with research conducted by (Pramudita, 2020).
Benefits have a negative effect on the interest in using ShopeePaylater in the Millennial
Generation of Kab. Bekasi, the reason this happens is because there are still several millennial
generations who still don't believe that the paylater on the Shopee platform is fully beneficial
when used. The millennial generation when using a paylater on the Shopee platform feels that
behind the benefits they feel, the possibility for them to use this paylater will continue or
become addicted and will encourage debts or bills that accumulate and do not rule out the
possibility of default and can increase consumptive nature without considering the amount of
payment obligations that are borne afterwards.. When the millennial generation is aware of
these risks so that in the end even though the benefits felt when using paylater on the Shopee
platform increase, this does not increase interest in using paylater as well.
Hypothesis 3: Ease of use does not affect the interest in using Shopee Paylater in the Millennial
Generation in Bekasi Regency.
The results of this study are in line with research conducted by (Anjelina, 2018).
Although the paylater on the Shopee platform has conveniences, it does not affect the interest
in using Shopeepaylater. The reason is because the millennial generation in Bekasi Regency
does not feel the ease of using Shopeepaylater or the lack of overall literacy/knowledge
regarding the use of Shopeepaylater. According to research (Anjelina, 2018) in his research

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this happens because of the uneven distribution of e-money so that consumers cannot judge
whether e-money in its use can be said to have these conveniences..
Hypothesis 4: Income has no effect on the interest in using ShopeePaylater in the
Millennial Generation of Bekasi Regency.
The results of this study are in line with research conducted by (Nur Fadhillah, 2018).
The millennial generation when their income rose during the Covid-19 pandemic they were not
affected to increase the use of paylaters on the Shopee platform, because when they already
have income to shop or transact at Shopee, payments can be made directly without having to
borrow or make payments using Shopee paylater..

CONCLUSION
The conclusions in this study are as follows:
1. Hypotheses 1, and 2 are accepted, where financial literacy affects the interest in using
ShopeePaylater in the Millennial Generation of Kab. Bekasi and the benefits have a
negative but influential effect on the interest in using ShopeePaylater in the Millennial
Generation of Bekasi Regency
2. Hypotheses 3 and 4 are rejected where convenience and income do not affect the interest
in using ShopeePaylater in the Millennial Generation of Bekasi Regency.

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