<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT\r\nPENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL)\r\nPADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL\r\nLITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS\r\nSHOPEE PAYLER"^^ . ".The) (rapid) (growth) (of) (Buy) (Now) (Pay) (Later) ((BNPL)) (services) (in) (Indonesia)\r\n(has) (been) (driven) (by) (the) (expansion) (of) (e-commerce) (and) (the) (digitalization)\r\n(of) (payment) (systems.) (Shopee) (PayLater) (has) (become) (one) (of) (the) (most)\r\n(widely) (used) (BNPL) (services,) (particularly) (among) (people) (in) (Java) (Island,)\r\n(which) (has) (the) (highest) (internet) (penetration) (and) (e-commerce) (activity) (in)\r\n(Indonesia.) (This) (study) (aims) (to) (examine) (the) (effects) (of) (Perceived)\r\n(Usefulness,) (Perceived) (Ease) (of) (Use,) (Trust,) (Perceived) (Risk,) (and) (Social)\r\n(Influence) (on) (the) (behavioral) (intention) (to) (use) (Shopee) (PayLater) (and) (to)\r\n(investigate) (the) (moderating) (role) (of) (Financial) (Literacy.) (This) (study)\r\n(employed) (a) (quantitative) (research) (approach) (using) (a) (survey) (method)\r\n(involving) (260) (respondents) (from) (Java) (Island) (who) (had) (previously) (used)\r\n(Shopee) (PayLater.) (The) (respondents) (were) (selected) (using) (purposive)\r\n(sampling.) (Data) (were) (analyzed) (using) (Partial) (Least) (Squares–Structural)\r\n(Equation) (Modeling) ((PLS-SEM)) (with) (SmartPLS) (software.\r\nThe) (findings) (reveal) (that) (Trust,) (Perceived) (Risk,) (Social) (Influence,) (and)\r\n(Financial) (Literacy) (have) (positive) (and) (significant) (effects) (on) (the)\r\n(behavioral) (intention) (to) (use) (Shopee) (PayLater.) (In) (contrast,) (Perceived)\r\n(Usefulness) (and) (Perceived) (Ease) (of) (Use) (do) (not) (significantly) (influence)\r\n(behavioral) (intention.) (Furthermore,) (the) (moderation) (analysis) (indicates)\r\n(that) (Financial) (Literacy) (strengthens) (the) (relationship) (between) (Perceived)\r\n(Ease) (of) (Use) (and) (behavioral) (intention) (while) (weakening) (the) (relationship)\r\n(between) (Perceived) (Usefulness) (and) (behavioral) (intention.) (The) (structural)\r\n(model) (achieved) (an) (R²) (value) (of) (0.718,) (indicating) (that) (71.8%) (of) (the)\r\n(variance) (in) (behavioral) (intention) (is) (explained) (by) (the) (variables) (included)\r\n(in) (this) (study.) (The) (findings) (imply) (that) (user) (trust,) (social) (influence,)\r\n(perceived) (risk,) (and) (financial) (literacy) (are) (critical) (determinants) (of) (BNPL)\r\n(adoption.) (Enhancing) (financial) (literacy) (is) (therefore) (essential) (to)\r\n(encourage) (more) (responsible) (and) (sustainable) (use) (of) (digital) (financial)\r\n(services.\r\nKeywords:) (Buy) (Now) (Pay) (Later,) (Shopee) (PayLater,) (Technology)\r\n(Acceptance) (Model,) (Financial) (Literacy,) (Behavioral) (Intention,) (PLSSEM."^^ . "2026-08-19" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 23208012014"^^ . "Aimatus Solehah"^^ . "NIM.: 23208012014 Aimatus Solehah"^^ . . . . . . "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT\r\nPENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL)\r\nPADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL\r\nLITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS\r\nSHOPEE PAYLER (Text)"^^ . . . . . "23208012014_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT\r\nPENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL)\r\nPADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL\r\nLITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS\r\nSHOPEE PAYLER (Text)"^^ . . . . "HTML Summary of #79578 \n\nANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT \nPENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL) \nPADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL \nLITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS \nSHOPEE PAYLER\n\n" . "text/html" . . . "Ekonomi Syariah" . .