This study aims to examine the in-depth impact of using the Shopee PayLater feature on students' consumptive behavior. Through in-depth interviews with a number of active Shopee PayLater users, this study reveals a significant correlation between the use of this feature and increased consumptive behavior. The ease of access, attractive promotions, and payment flexibility offered by Shopee PayLater are the main attractions for students.

The research findings show that students tend to use Shopee PayLater to meet urgent needs, such as buying books, stationery, or other daily necessities. However, this easy access also triggers uncontrolled consumptive behavior, such as purchasing unnecessary items or making impulsive purchases driven by promotions. In addition, the payment flexibility offered by Shopee PayLater can make students feel more comfortable with debt and postpone payments, potentially leading to financial problems in the future.

This study also identifies other factors that influence the consumptive behavior of Shopee PayLater-using students, such as peer influence, consumptive lifestyles, and financial literacy levels. Students with a more consumptive social environment are more likely to be influenced to use Shopee PayLater excessively. Moreover, students with low financial literacy levels tend to have difficulty managing their finances and are more susceptible to the temptation to make impulsive purchases.

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