Pay Later dan Perilaku Impulse Buying di Era Industri 4.0

Abstract

Pay later services play an important role in the era of Industry 4.0 by bringing flexibility and integrated payment convenience with the development of digital technology. The advantages and convenience offered by pay later are very appealing. Impulse buying, which refers to the sudden, spontaneous, and unplanned purchase of goods or services, often occurs due to emotional impulses, sudden desires, or external factors such as promotions or discount offers. Pay later technology is well-received by the Indonesian society, and pay later users in Indonesia are categorized as quite high (Sari, 2021). This study employed interview techniques with 10 adult women who have used pay later applications, where 80% of the respondents used the pay later method because of its convenience. The use of pay later can provide flexibility in financial management, especially if used wisely. However, individuals need to carefully consider their budget, understand the requirements and costs associated with pay later services, and limit the tendency for impulsive shopping to avoid getting trapped in an uncontrollable debt cycle.

Abstrak

Layanan Pay later berperan penting dalam era industri 4.0 dengan menghadirkan fleksibilitas dan kemudahan pembayaran yang terintegrasi dengan perkembangan teknologi digital. Keunggulan dan kemudahan yang ditawarkan oleh pay later sangat menarik. Impulse buying atau pembelian impulsif, yang merujuk pada pembelian barang atau layanan yang dilakukan secara tiba-tiba, spontan, dan tanpa perencanaan yang matang, sering kali terjadi karena dorongan emosional, keinginan mendadak, atau rangsangan dari faktor eksternal seperti promosi atau penawaran diskon. Teknologi pay later disambut baik oleh masyarakat Indonesia dan pengguna pay later di Indonesia berada dalam kategori cukup tinggi (Sari, 2021). Penelitian ini menggunakan Teknik wawancara kepada 10 orang wanita dewasa yang telah menggunakan aplikasi pay later dimana 80% responden menggunakan metode pay later  karena kemudahannya. Penggunaan Pay later dapat memberikan fleksibilitas dalam pengelolaan keuangan, terutama jika digunakan dengan bijaksana. Namun, individu perlu mempertimbangkan secara hati-hati anggaran mereka, memahami persyaratan dan biaya yang terkait dengan layanan Pay later dan membatasi kecenderungan untuk belanja impulsif agar tidak terjebak dalam siklus hutang yang tidak terkendali.