The Influence of Financial Literacy and Impulsive Buying Behavior on The Spending Behavior of Shopee PayLater User Among Generation Z

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Quantitative analysis reveals significant impact of financial literacy and impulsive buying on spending among Generation Z using Shopee PayLater.

Financial literacy and impulsive buying behavior significantly influence spending behavior of Generation Z.
Data from 150 active Shopee PayLater users highlights impulsive buying behavior as the dominant factor.
PTLS-SEM method was used for comprehensive analysis of the responses gathered via an online questionnaire.
Findings emphasize the need for digital financial education that addresses cognitive and emotional factors.

Salputri et al. (2025) studied this question.

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Quantitative analysis reveals significant impact of financial literacy and impulsive buying on spending among Generation Z using Shopee PayLater.