Beyond Ease of Use: The Roles of Perceived Usefulness, Facilitating Conditions, and Consumer Attitudes in PayLater Adoption (International Journal of Economics Management and Accounting (IJEMA))

Summary

• A study analyzed the drivers of Buy Now, Pay Later (BNPL) adoption intention using a sample of 433 Indonesian consumers.p.1
• The sample consisted of 220 male respondents (50.8%) and 213 female respondents (49.2%).p.5
• Perceived ease of use demonstrated a strong positive association with perceived usefulness (β = 0.60, t = 8.38).p.6
• Consumer attitude exhibited the highest construct reliability at 0.90 and an average variance extracted of 0.68.p.6

Key insights

1. Perceived ease of use serves as a strong predictor of perceived usefulness in PayLater adoption (β = 0.60, t = 8.38).p.6
2. Perceived usefulness positively contributes to consumer attitude toward PayLater services (β = 0.30, t = 5.02).p.6
3. Consumer attitude shows a statistically significant positive relationship with behavioral intention to adopt (β = 0.26, t = 3.67).p.6
4. Perceived usefulness maintains a direct positive path to behavioral intention (β = 0.19, t = 2.80).p.6