THE INFLUENCE OF LIFESTYLE ON THE USE OF PAYLATER SERVICES WITH FINANCIAL LITERACY AS MODERATION VARIABLE: A STUDY OF GENERATION Z IN SAMARINDA CITY

Abstract

This study aims to analyze the influence of lifestyle on the use of paylater services with financial literacy as moderation variable on generation Z in Samarinda city. This area was chosen because Samarinda is one of the big cities in East Kalimantan and has a large population of Generation Z and a growing economy. The type of research used in this study is quantitative research using a questionnaire survey method. The sampling technique used in this study is purposive sampling. The number of respondent in this study was 200 respondent and using partialis square analysis technique, and processed by using SmartPLS software. Based on the hypothesis testing, the results show that lifestyle has a positive and significant effect on the use of paylater services. Financial literacy weakens the positive effect of festyle on the use of paylater services. Researchers are interested in this study because want to have a new data in the form of new respondent targets from younger generation such as generation Z Samarinda, who have a different digital lifestyle compared to previous generations and providing a new perspective by using financial literacy as a moderating variable.