The Effect of Perceived Usefulness and Perceived Ease of Use on Intention to Use Shopee Paylater with Perceived Trust as a Mediating Variable among Generation Z in Bandung City
DOI:
https://doi.org/10.59261/jbt.v7i3.682Keywords:
Generation Z in Bandung City, Intention to Use, Perceived Ease of Use, Perceived Trust, Perceived UsefulnessAbstract
Background: This research is motivated by the rapid development of Buy Now Pay Later (BNPL) services, especially Shopee Paylater, which is increasingly used by Generation Z in Bandung City. The high adoption of e-commerce and digital payment services highlights the need to understand the factors influencing users’ intention to use Shopee Paylater.
Objective: This study aims to analyze the effects of perceived usefulness and perceived ease of use on intention to use Shopee Paylater, with perceived trust as a mediating variable.
Methods: This study used a quantitative approach based on the Technology Acceptance Model (TAM). Data were collected through questionnaires distributed to 385 Generation Z Shopee Paylater users in Bandung City and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM).
Results: The findings show that perceived usefulness and perceived ease of use have positive and significant effects on intention to use. Both variables also positively and significantly affect perceived trust. Furthermore, perceived trust has a positive and significant effect on intention to use and mediates the relationship between perceived usefulness, perceived ease of use, and intention to use Shopee Paylater.
Conclusion: Perceived usefulness, perceived ease of use, and perceived trust are important factors in shaping Generation Z’s intention to use Shopee Paylater. Trust strengthens technology acceptance and supports sustainable fintech service adoption.
References
Agustin, L. (2022). Evaluation of Factors influencing the Shopee PayLater adoption in Indonesia. Management Science and Business Decisions, 2(2), 5–18. https://doi.org/10.52812/msbd.49
Bachtiar, S., Yuli Kartika, & Salsabila, S. T. (2024). The Effect of Financial Knowledge, Perceived trust and Perceived Use on Interest in Using Shopee Paylater. Jurnal Manajemen Bisnis, 11(1), 405–416. https://doi.org/10.33096/jmb.v11i1.733
Budiman, C., Tanjaya, K., Zulkarnain, A., & Rosman, D. (2023). The effect of paylater on purchase decision and continuance intention in generation Z at GoFood application. In E3S Web of Conferences (Vol. 426, p. 01084). EDP Sciences.
Cornelli, G., Gambacorta, L., & Pancotto, L. (2023). Buy now, pay later: a cross-country analysis. BIS Quarterly Review, 61-75.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
Do, A. D., Ha, D. L., Nguyen, A. T., Le, M. D., Nguyen, M. H. N., & Dang, A. Q. (2025). Digital transformation of online payments: interface design and customer service roles in E-wallet adoption in Vietnam. Cogent Business & Management, 12(1). https://doi.org/10.1080/23311975.2025.2557966
Gunarsih, T. & Dyah Febriyani. (2025). Apakah Trust Memediasi Pengaruh Perceived Usefulness Dan Perceived Ease Of Use Terhadap Minat Penggunaan Qris? Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, 33(2), 124–136. https://doi.org/10.32477/jkb.v33i2.1180
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial least squares structural equation modeling (PLS-SEM) using R: A workbook. Springer international publishing. https://doi.org/10.1007/978-3-030-80519-7
Hardiana Putra Indrawati, M. I. V., & Alfaiza, S. A. (2024). The Influence of Ease of Use, Hedonic Motivation, Trust and Price Value on Intention to use Shopee Paylater in Indonesia. Pakistan Journal of Life & Social Sciences, 22(2). https://doi.org/10.57239/PJLSS-2024-22.2.000197
Huynh, A. V. (2023). Determinants Affecting Intention to Use E-Wallets in Vietnam: An Empirical Case of Momo. KnE Social Sciences, 125-141.
Iskamto, D., Jenita, J., Nabila, S. M., Aftanorhan, A., & Karim, K. (2025). The Influence of Reputation Perception on Customer Behavioral Intentions in Mobile Banking Adoption Based on the Technology Acceptance Model. Husnayain Business Review, 5(2), 91-106.
Iskamto, D., Saputra, J., Santosa, B., Irjayanti, M., & Rahmadewi, I. (2025). The Influence of Artificial Intelligence Technology on Repurchase Intention: Mediator Role of Consumer Satisfaction Experience. PaperASIA, 41(5b), 482-496. https://doi.org/10.59953/paperasia.v41i5b.180
Johana Dwi Ariwati & Siti Aminah. (2023). The Influence of Service Quality and Perceived Ease of Shopping at Shopee on the Intention to use Shopee Paylater. International Journal of Economics (IJEC), 2(2), 312–320. https://doi.org/10.55299/ijec.v2i2.526
Kotler, P., Keller, K. L., & Chernev, A. (2022). Marketing Management Sixteenth.
Madria, J. A. G., Dellosa, J. C. A., Malinay, A. F., Panganiban, J. G. O., & Trapal, M. V. P. (2025). The Effects Of Buy Now Pay Later Usage To The Spending Behavior Of Fresh College Graduates In Quezon City.
McKnight, D. H., Choudhury, V., & Kacmar, C. (2002). Developing and Validating Trust Measures for e-Commerce: An Integrative Typology. Information Systems Research, 13(3), 334–359. https://doi.org/10.1287/isre.13.3.334.81
Mei, Y. C., & Aun, N. B. (2019). Factors influencing consumers' perceived usefulness of M-Wallet in Klang valley, Malaysia. Review of Integrative Business and Economics Research, 8, 1-23.
Muhammad Wibi Afrizal & Ima Amaliah. (2024). Analisis Faktor–Faktor yang Menentukan Preferensi Generasi Z terhadap Shopeepay di Kota Bandung. Bandung Conference Series: Economics Studies, 4(1), 359–365. https://doi.org/10.29313/bcses.v4i1.12487
Musa, H. G., Fatmawati, I., Nuryakin, N., & Suyanto, M. (2024). Marketing research trends using technology acceptance model (TAM): A comprehensive review of researches (2002–2022). Cogent Business & Management, 11(1), 2329375. https://doi.org/10.1080/23311975.2024.2329375
Nurfaiza, N., & Prayitno, S. B. (2023). Exploring factors influencing Gen Z’s paylater usage intention and its impact on impulsive buying. Jurnal Bisnis, Manajemen, dan Informatika (JBMI), 20(2), 97–114. https://doi.org/10.26487/jbmi.v20i2.27711
Nurlatifah, F., Maya ARIYANTI, & Iskamto, D. (2025). The Effect of Social Media Marketing On Purchase Intention: The Mediating Role of Brand Image and Brand Trust. Quality-Access to Success, 26(205). https://doi.org/10.47750/QAS/26.205.45
Orientani, R., & Kurniawati, M. (2021). Factors Influencing Intention to use SPayLater in Indonesia. Jurnal Manajemen Bisnis, 8(2), 285–294. https://doi.org/10.33096/jmb.v8i2.842
Prasetyani, A., Mustika, M. D., Sjabadhyni, B., Adira, N., Dali, N. R. S. B. M., & Nandan, M. (2024). Unlocking paylater preferences: Exploring gen z’s trust dynamics in Indonesia and Malaysia. Cogent Psychology, 11(1), 2352962. https://doi.org/10.1080/23311908.2024.2352962
Safitri, A., & Zawawi, Z. (2024). The Effect of Perceived Ease of Use on User Interest in the ShopeePay Digital Wallet among Generation Z in Surabaya. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(1), 392-404. https://doi.org/10.31538/iijse.v8i1.5511
Safitri, G., Suhud, U., & Berutu, M. B. (2026). Analisis Perceived Ease of Use, Perceived Security, Perceived Risk pada Pengguna Potensial Paylater di Kalangan Gen Z. PENG: Jurnal Ekonomi dan Manajemen, 3(1), 556-578.
Salsabila, S. T., Dewi, Y. K., & Bachtiar, S. (2024). The Influence of Perceived trust, Usefulness, Risks and Financial Knowledge on Interest in Using SPayLater. Jurnal Manajemen Bisnis, 11(1), 392–404. https://doi.org/10.33096/jmb.v11i1.734
Salsabila, F., Susanti, V., & Ermawati, L. (2024). *Pengaruh penggunaan digital payment dan service quality terhadap perilaku konsumtif masyarakat dengan consumer trust sebagai variabel mediasi dalam perspektif Islam. Journal of Islamic Economics and Finance, 2(4), 71–91. https://doi.org/10.59841/jureksi.v2i4.1909
Saputra, U. W. E., Dananjaya, I. B. G., Nurfakhrurozi, R., & Basmantra, I. N. (2024, December). The Determinant of Fintech Adoption among Gen Z in Indonesia. In Proceedings of the International Conference on Sustainable Green Tourism Applied Science—Social Applied Science (pp. 437-447). https://doi.org/10.2991/978-94-6463-622-2_48
Sekaran, U., & Bougie, R. (2016). Research Methods for Business.
Statista—The Statistics Portal. (2025). Statista. Retrieved December 10, 2025, from https://www.statista.com/search/
Sugiyono, D. (2020). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Yones, P. C. P., & Muthaiyah, S. (2023). eWOM via the TikTok application and its influence on the purchase intention of somethinc products. Asia Pacific Management Review, 28(2), 174-184.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Kiagus Muhammad Arsy, Dedi Iskamto
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International (CC-BY-SA). that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
