Pendekatan Theory of Planned Behavior dan Mental Accounting dalam Menggunakan Metode Pembayaran PayLater
DOI:
https://doi.org/10.22441/jpma.v3i2.13788Keywords:
Mental Accounting, PayLater, Theory of Planned BehaviorAbstract
PayLater payment method is an online payment method that is done by adding to the liabilities of its users online. Using PayLater payment method makes it easy to pay for a transaction without having to spend money at the beginning of the transaction, but will raise the bill at the end of the transaction or the end of the period. This phenomenon can trigger the occurrence of extravagant properties and make PayLater users terlena with the various conveniences offered by the payment method. Therefore, self-control in behavioral and financial reviews is necessary so that users of PayLater services are able to utilize this service according to their needs. This study aims to determine the influence of the Theory of Planned Behaviour (behavioral control and intention) aspects as well as aspects of Mental Accounting (mental budget, self-control and short-term orientation) on the use of PayLater payment methods. The population of this study is PayLater users in Indonesia in 2018-2020, especially in 34 provinces spread across Indonesia. The data is analyzed with multiple linear regression methods. The results of this study showed that behavioral control and self-control have an effect on the use of PayLater payment methods, while intention, mental budget and short-term orientation have no effect on the use of PayLater payment methods.
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