Understanding of Students Regarding Paylater Services and Its Impact on Usage Decisions

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Qualitative analysis reveals how student understanding of paylater influences their usage decisions, suggesting a focus on usury concerns.

Students' understanding of paylater influences their choices regarding usage, with many opting out of using it altogether.
Analysis showed that students recognize paylater as an interest-bearing digital loan service tied to religious beliefs about usury.
The study utilized semi-structured interviews and thematic analysis to gather and evaluate student insights.
Further exploration is encouraged to understand user perspectives on digital services in wider contexts.

Dewi et al. (2025) studied this question.

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Qualitative analysis reveals how student understanding of paylater influences their usage decisions, suggesting a focus on usury concerns.