Citation:

Nur Amelia Yusmi, Yolanda Mohungo, Laela. "The Influence of Lifestyle, Convenience, and Trust on Purchasing Decisions Using Shopee Pay Later Among Students of Khairun University" International Research Journal of Economics and Management Studies, Vol. 5, No. 2, pp. 178-184, 2026. Crossref. http://doi.org/10.56472/25835238/IRJEMS-V5I2P121

Abstract:

This study aims to examine the influence of lifestyle, ease of use, and trust on purchasing decisions using Shopee PayLater among students of Universitas Khairun. The rapid growth of digital financial services has encouraged students to adopt deferred payment features in online shopping transactions. This research employs a quantitative approach with a survey method. Data were collected through questionnaires distributed to 140 students who actively use Shopee PayLater. The data were analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that lifestyle has a positive but insignificant effect on purchasing decisions. Although students demonstrate a modern and technology-oriented lifestyle, financial considerations remain the primary factor in decision-making. Ease of use also shows a positive but insignificant influence, suggesting that students perceive system convenience as a standard feature rather than a decisive factor. In contrast, trust has a positive and significant effect on purchasing decisions. The higher the level of trust in transaction security, transparency of information, and service credibility, the greater the likelihood of students making purchasing decisions using Shopee PayLater. The coefficient of determination shows that lifestyle, ease of use, and trust collectively explain 33.8% of purchasing decisions, while the remaining 66.2% are influenced by other factors not examined in this study. These findings highlight the importance of trust as the primary determinant in the adoption of PayLater services among university students.

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Keywords:

Lifestyle, Ease of Use, Trust, Buying Decision.