Abstract

This study is the first research which empirically examine the psychological mechanism of impulsive buying among Buy

Now Pay Later (BNPL) users, specifically Shopee PayLater. The mechanism consists the influence of perceived ease of use of Shopee PayLater on impulsive buying, mediated by hedonic shopping motivation and moderated by self-control. Data from 301 Shopee PayLater users were analyzed using Hayes PROCESS Macro in SPSS. This study indicate that perceived ease of use significantly predicts hedonic shopping motivation. Although its direct contribution is small (R2 = 0.029), the indirect effect on impulsive buying is sufficient to stimulate the affective aspect (hedonic shopping motivation) that drives impulsive buying in the BNPL ecosystem. Notably, this mediated effect remained significant even among individuals with high self-control (indirect effect = 0.171; 95% CI = 0.024–0.373). Thus, while self-control moderates and weakens the relationship between hedonic shopping motivation and impulsive buying, its effect is limited. Researcher suggest additional variables which are capable to suppress impulsivity and to foster healthier and more responsible consumption behavior. These findings contribute to create digital financial literacy education and propose ethical design

BNPL service.

Keywords: buy now pay later, hedonic shopping motivation, impulsive buying, perceived ease of use, self control