ANALISIS FAKTOR PENENTU ADOPSI PAYLATER DALAM KONTEKS PENGAMBILAN KEPUTUSAN KREDIT KONSUMEN

ABSTRAK Penggunaan layanan paylater di Indonesia tumbuh pesat namun diikuti oleh meningkatnya risiko gagal bayar dan perilaku konsumtif. Kemudahan akses diduga menjadi faktor pendorong utama, namun hasil penelitian sebelumnya menunjukkan inkonsistensi sehingga belum jelas bagaimana pengaruhnya terhadap keputusan penggunaan kredit konsumen. Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan akses paylater terhadap keputusan penggunaan kredit konsumen serta mengidentifikasi konsistensi dan inkonsistensi temuan empiris. Metode yang digunakan adalah kajian literatur sistematis dengan menelusuri artikel dari Google Scholar, SINTA, dan jurnal bereputasi dalam 10 tahun terakhir, menggunakan kata kunci terkait paylater, perceived ease of use, dan keputusan kredit. Hasil penelitian menunjukkan bahwa kemudahan akses berpengaruh positif dan signifikan terhadap keputusan penggunaan kredit, baik secara langsung maupun tidak langsung melalui persepsi manfaat. Namun, beberapa studi melaporkan pengaruh yang tidak signifikan, yang mengindikasikan peran variabel moderasi seperti literasi keuangan, self-control, dan persepsi risiko. Simpulan penelitian ini menegaskan bahwa kemudahan akses merupakan determinan penting tetapi bukan satu-satunya faktor penentu keputusan penggunaan kredit konsumen. Kontribusi penelitian dalam ilmu pengetahuan adalah memperkaya Technology Acceptance Model (TAM) dalam konteks paylater dengan memetakan peran mediasi (persepsi manfaat) dan moderasi (literasi keuangan, self-control, persepsi risiko) yang sebelumnya belum disintesis secara sistematis, serta menyediakan peta jalan bagi penelitian selanjutnya.   Kata Kunci: buy now pay later; kemudahan akses; keputusan penggunaan kredit; literasi keuangan; perceived ease of use   ABSTRACT The use of paylater services in Indonesia has grown rapidly, yet it has been accompanied by an increasing risk of default and consumptive behavior. Perceived ease of access is suspected to be a major driving factor; however, previous studies show inconsistent results, making it unclear how ease of access affects consumer credit usage decisions. This study aims to analyze the influence of perceived ease of access of paylater services on consumer credit usage decisions and to identify consistencies and inconsistencies in empirical findings. A systematic literature review was conducted by searching articles from Google Scholar, SINTA, and reputable journals published within the last 10 years, using keywords related to paylater, perceived ease of use, and credit decisions. The findings indicate that perceived ease of access has a positive and significant effect on credit usage decisions, both directly and indirectly through perceived usefulness. However, several studies report non-significant effects, indicating the role of moderating variables such as financial literacy, self-control, and perceived risk. This study concludes that perceived ease of access is an important determinant but not the sole factor in consumer credit usage decisions. The contribution of this research to knowledge is enriching the Technology Acceptance Model (TAM) in the paylater context by mapping the mediating role (perceived usefulness) and moderating roles (financial literacy, self-control, perceived risk) that have not previously been systematically synthesized, as well as providing a roadmap for future research.  Keywords: buy now pay later; consumer credit decision; financial literacy; perceived ease of access; perceived ease of use