Financial Literacy, Risk Perception, and Paylater Adoption: A TPB Analysis
Background: Paylater, a service allowing users to defer payments with borrowed money, offers convenience but also potential risks.Purpose: This study aimed to 1) assess financial literacy among millennials in Jabodetabek, 2) analyze how financial literacy and risk perception influence the intention to use Paylater, and 3) explore the impact of soci