RT Journal Article
A1 Syarifah Aliyah Fitrisam
A1 Muhammad Isra Iradat
A1 Rizkiani Iskandar
A1 Ayu Putri Utami
A1 Rika Febby Rhamadhani
T1 Digital natives and deferred payments: A qualitative study of young consumers' e-commerce BNPL behaviors
JF Priviet Social Sciences Journal
YR 2025
VO 5
IS 9
SP 47-65
DO 10.55942/pssj.v5i9.575
AB The swift adoption of Buy Now, Pay Later (BNPL) options has significantly changed the online shopping experience, particularly among younger demographics, such as Generation Z and Millennials, in Indonesia. Given that many individuals in this age group do not possess traditional credit cards, BNPL has become a favored and easily accessible solution that fits their digital lifestyle. This research examines how the rise of BNPL affects the purchasing choices, financial outlooks, and expressions of identity of younger consumers. The results indicate a transition in consumer behavior that prioritizes convenience, facilitated by digital platforms, where payment methods serve as a form of self-expression and reflect personal lifestyle preferences. The findings highlight the social and psychological aspects of deferred payment systems, offering valuable insights into the evolving dynamics between young consumers and financial innovation.
K1 buy now pay later (BNPL), young consumers, consumer behavior, e-commerce
LK https://journal.privietlab.org/index.php/PSSJ/article/view/575
ER