1.
Usep Suhud
– Faculty of Economics and Business, Universitas Negeri Jakarta, Jakarta, Indonesia, Faculty of Applied Social Sciences, Universiti Sultan Zainal Abidin, Malaysia.
2.
Doni Sugianto Sihotang
– Faculty of Economics and Business, Universitas Negeri Jakarta, Indonesia.
3.
Mamoon Allan
– Faculty of Tourism and Archaeology, University of Jordan, Amman, Jordan.
4.
Wong Chee Hoo
– Faculty of Business and Communications, INTI International University, Malaysia.
5.
Serkan Benk
– Department of Public Finance, Inonu University, Inonu, Turkey.
6.
Tamer Budak
– Nottingham University Business School, Nottingham, UK.
7.
Ela Elliyana
– Faculty of Economics and Business, Universitas Indonesia Timur, Makassar, Indonesia.
8.
Muaz Azinuddin
– Faculty of Applied Social Sciences, Universiti Sultan Zainal Abidin, Malaysia.
9.
Chawapong Nui-Suk
– School of Accountancy and Finance, Walailak University, Thailand.
This explores the drivers of customer continuance intention in using the Pay Later application, focusing on confirmation,
satisfaction, attitude towards debt, and payment habits. Using an exploratory factor analysis, confirmatory factor analysis, and structural
equation modelling, 222 participants were sampled, and it was reflected that confirmation is a significant determinant of satisfaction, clarity
about the use of Pay Later increases the level of its users’ satisfaction. It was also revealed that satisfaction had a significant impact on the
customers’ attitudes towards debt, continuance intention, and payment habits, among others. This means that the higher the satisfaction,
the positive the perceptions about incurring debt are; continuance intention to use Pay Later is strong; and the more consistent the payment
behaviours will be. Attitudes toward debt and payment habit were both confirmed as strong antecedents of continuance intention, indicating
that these factors facilitate the continuance of using the Pay Later application. This gives further support to the creation of effective marketing
strategies complemented by effective application management. It also aligns with the UN SDGs, notably Goal 8 on Decent Work and Economic
Growth and Goal 9 on Industry, Innovation and Infrastructure, in pointing out that innovative digital payment solution are pivotal for ensuring
financial inclusivity and attaining a responsible consumption pattern.
