THE IMPACT OF PERCEIVED RISK AND DIGITAL FINANCIAL LITERACY IN INTENTION TO USE PAY LATER AMONG GENERATION X, Y, AND Z

Gani, Silvia Prisca (2022) THE IMPACT OF PERCEIVED RISK AND DIGITAL FINANCIAL LITERACY IN INTENTION TO USE PAY LATER AMONG GENERATION X, Y, AND Z. Diploma thesis, Universitas Andalas.

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Abstract

This study aims to determine the impact of perceived risk and digital financial literacy in intention to use pay later services among generation X, Y and Z. Pay later or Buy-Now-Pay-Later (BNPL) is one of the digital financial services that is currently emerging in the community. It is a new payment method that facilitates customers with credit within a certain limit. Perceived risk is thus defined as "consumers' impression of vulnerability and the conceivable negative consequences associated with the FinTech. The perceived risks are used in this research are financial risk and security risk. Digital financial literacy is defined as a combination of financial literacy and digital literacy, including basic financial knowledge and basic digital skills. The data obtained were 473 respondents spread throughout Indonesia. Data collection uses questionnaires distributed through Google Forms on several social media applications. The approach in this research is quantitative and the design in this study is hypothesis testing which aims to test the effect of each variable. The results of the study indicate that digital financial literacy has a significant and positive impact in intention to use pay later service among Generations X, Y and Z. Each generations that participated in this research have an adequate knowledge that can affect their intention to use pay later feature. However, perceived financial risk has a significant and positive impact in intention to use pay later service only in Generation Z and perceived security risk is proven to have no significant impact in each generations. Keywords: Perceived Risk, Financial Risk, Security Risk, Digital Financial Literacy, Generation X, Generation Y and Generation Z.

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