THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND CONSUMPTIVE LIFESTYLE ON THE INTENTION TO USE SHOPEE PAYLATER WITH FEAR OF MISSING OUT (FOMO) AS A MEDIATING VARIABLE (A CASE STUDY OF FEMALE GENERATION Z SHOPEE PAYLATER USERS IN LAMONGAN REGENCY
Keywords:
Financial Literacy, Consumptive Lifestyle, Fear of Missing Out (FOMO), Intention to Use, Shopee PayLater.Abstract
This study aims to analyze the relationship between financial literacy and a consumptive lifestyle on the interest in using Shopee PayLater, with Fear of Missing Out (FOMO) as a mediating variable among female Gen Z users in Lamongan Regency. The study uses a quantitative method with a descriptive approach. The sample was determined using purposive sampling with a total of 96 respondents based on the Lemeshow formula. Data analysis was conducted using SEM-PLS with SmartPLS 4.0. The results show that financial literacy and FOMO have a positive and significant effect on the interest in using Shopee PayLater. A consumptive lifestyle has a positive effect on FOMO but does not have a significant effect on the interest in using Shopee PayLater. FOMO mediates the relationship between financial literacy and a consumptive lifestyle on the interest in using Shopee PayLater
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