The Influence of Materialism on Intention to Use PayLater

Abstract

The PayLater payment service has rapidly expanded, particularly among young adults. This study examines materialism as a factor influencing the intention to use PayLater due to its connection with material possessions. Using a quantitative descriptive correlational design, the research adapts the Materialism Value Scale (MVS) and the Intention to Use PayLater Scale. The sample consists of 308 young adults who have shopped via e-commerce, selected through purposive sampling. Multiple linear regression tests reveal that materialism significantly affects the intention to use PayLater, with an R2 value of .189. The dimensions of success and happiness partially influence the intention to use PayLater; the centrality dimension has no significant effect, but the happiness dimension has the most considerable influence.