Analysis of Intention to Use on Pay Later Payment System During COVID-19 Pandemic

ABSTRACT

This time around, technology development is growing at a very fast pace, especially in the area of information technology. It brings a lot of changes in other fields as well, like the field of financial technology. Digital payment, such as Pay later can be recognized by a large number of people. As the time goes by, the usage of Pay later has increased, and people would rather choose Pay later rather than other payment methods. Aside from that, since the COVID-19 pandemic, people tend to use Pay later more than before. Hence, this research will show the analysis of Intention to Use on Pay later payment system during COVID-19 Pandemic. The result in this study is based on 439 respondents that were obtained from November - December 2020 who are actively using Pay later to do transactions as a mobile payment method in Indonesia and collected by using SmartPLS as a tool for the Structural Equation Model (SEM), with a purposive sampling method. With the proposed model, there are eight hypotheses. In this study, Perceived Ease of Use has no siginificant impact on the Intention To Use, but other hypotheses resulted to be significant. © 2022 The authors.