UTAUT Model: Identifying the Driving Factors of the Intention to Use Paylater

Yeyen Pratika


Information and Communication Technology (ICT) has developed rapidly that drives to the growth of digital transaction in recent years. E-commerce companies create features in order to deal with their customers, such as paylater in their digital payment. It offers a payment method that is almost similar to a credit card which allows customers to buy products or services right now with the delaying of payment. This phenomenon becomes regular in e-commerce business. Thus, this study aims to examine what factors influence individual behavioral intention in adopting paylater by using Unified Theory of Acceptance and Use of Technology (UTAUT) theory. A total of 167 respondents was involved in this study. Data were analyzed by using Structural Equation Modeling (SEM). The result showed that only performance expectancy and facilitating conditions have a significant influence on behavioral intention.


Digital Payment; Intention Behavior; Paylater; UTAUT

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DOI: https://doi.org/10.26905/jbm.v8i2.6306


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