Behavioral factors of intention to use pay later services. a systematic literature review

Nur Windiana Fitriyah*, Reny Nadlifatin*

*Corresponding author for this work

Research output: Contribution to journalConference articlepeer-review


One of the current phenomena that plays a key role in digital transformation is commerce via mobile devices, known as m-commerce. Financial transactions involve selling or buying m-commerce service products using digital payments; one of them is to pay later. This research aims to determine the factors influencing customers’ behavioral intentions to use Paylater in m-commerce applications. This study analyzes 30 accessible articles from well-known publishers in Scopus-indexed journals or the Web of Science. The result is 10 dimensions, that influence the intention to use pay later, namely behavior intention, social influence, information quality, perceived ease of use, financial literacy, hedonic values, perceived risk, perceived usefulness, trust, and habit. This paper produces a dimensional mapping model that will be used for further research.

Original languageEnglish
Article number02010
JournalE3S Web of Conferences
Publication statusPublished - 18 Mar 2024
Event2023 International Conference on Computer Science Electronics and Information, ICCSEI 2023 - Hybrid, Yogyakarta, Indonesia
Duration: 12 Dec 202313 Dec 2023


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