SKRIPSI PBS
ADOPSI UTAUT-3 UNTUK MENGANALISIS PENGGUNAAN PAYLATER PADA MAHASISWA MUSLIM DI SOLORAYA
ABSTRACT
Paylater is a payment method that is currently widely used by students.
However, the behavior of using paylaters often plunges users into accumulated debt.
This study aims to reveal what factors drives students to use paylater. This study
used UTAUT-3 Theory with SEM-PLS analysis with SmartPLS 3. The population of
this research is students from 3 universities in Soloraya with a total sample of 117.
The results of this study are Social Influence (SI), Price Value (PV), and Personal
Innovation (PI) affect on Usage Behavior through Behavioral Intentions as an
intervening variable. Facilitating Conditions (FC), Habit (H), Behavioral Intention
(BI) have a direct effect on Usage Behavior. While the variables Performance
Expectations (PE), Effort Expectancy (EE), Facilitating Conditions (FC), Hedonic
Motivation (HM), and Habits (H) have no affect on Usage Behavior through
Behavioral Intentions as an intervening variable; and Personal Innovation (PI)
does not directly affect Usage Behavior.
Keyword: UTAUT-3, SEM-PLS, Paylater
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