ISSN : 2663-2187

THE EFFECT OF PAYMENT GATEWAY, LEVEL OF ETHNOCENTRISM, AND LIFESTYLE ON PURCHASE DECISIONS USING SHOPEE PAYLATER WITH ISLAMIC CONSUMER ETHICS AS A MODERATING VARIABLE

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M. Fauzan , Ismul Fakhri Lubis , Iskandar Muda ,Andri Soemitra
» doi: 10.48047/AFJBS.6.4.2024.1158-1170

Abstract

The modern era of online shopping has made online payments significantly easier, aligning them with consumers' financial capacities. Payment options such as ShopeePaylater not only influence consumer behavior but also pose risks of overconsumption and debt. This research investigates the impact of Payment Gateway, ethnocentrism level, and lifestyle on Purchase Decisions using ShopeePaylater, while also exploring the moderating role of Islamic Consumer Ethics among Indonesian online shoppers. Using a mixed methods approach, 347ShopeePaylater users in Indonesia were purposively sampled. The analysis employed bibliometric and SEM-PLS methods.

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