Putri Anastasya Vernanda, Esty Nurbaity Arrsyi, Suryawati

The Influence of Paylater Usage in E-Commerce on Impulsive Buying of Fashion Products

Introduction

The influence of paylater usage in e-commerce on impulsive buying of fashion products. Investigates Paylater's influence on impulsive fashion buying in e-commerce. Findings: no significant link; consumers show impulsive behavior regardless of Paylater use.

Abstract

This research aims to determine the influence of paylater usage in e-commerce on impulsive buying of fashion products. This research uses a survey method with a quantitative approach. The sample for this research was 120 with sampling using accidental sampling technique. The data analysis technique used is the chi square test. The results of data analysis show that there is no influence between the use of the payLater payment system in e-commerce and impulsive buying of fashion products. From the results of this research, it can be concluded that consumer behavior tends to be impulsive in purchasing fashion products on e-commerce, whether using paylater or not using paylater.

Review

The study titled "The Influence of Paylater Usage in E-Commerce on Impulsive Buying of Fashion Products" addresses a highly contemporary and relevant issue, examining the potential link between the growing popularity of Buy Now, Pay Later (BNPL) services in e-commerce and consumer impulsivity, particularly within the fashion sector. Given the widespread adoption of paylater options and the inherent tendencies towards impulsive purchases online, this topic holds significant practical and academic interest. The research's primary finding—that no influence was found between paylater usage and impulsive buying—is counter-intuitive to common assumptions and thus presents an intriguing result that warrants careful examination. Methodologically, the research adopts a quantitative survey approach with a sample size of 120 respondents, employing an accidental sampling technique. While surveys are appropriate for gathering consumer insights, the relatively small sample size, combined with the non-probabilistic accidental sampling method, significantly limits the generalizability of the findings to a broader population. A more critical concern lies with the chosen data analysis technique: the chi-square test. While useful for assessing associations between categorical variables, a chi-square test is not designed to establish "influence" in the same way that regression or other multivariate statistical methods can determine the direction and strength of a causal or predictive relationship. This choice of analysis could potentially mask more subtle relationships or lead to an oversimplified interpretation of a null finding, particularly if the underlying constructs (paylater usage and impulsive buying) are complex and potentially continuous or ordinal in nature. The conclusion that there is "no influence" and that consumer behavior remains impulsive regardless of paylater usage is a bold statement, but one that requires more robust statistical evidence and a deeper analytical framework to be fully substantiated. To enhance the study's rigor and offer more nuanced insights, future research should consider employing a larger, more representative sample and utilizing more sophisticated statistical techniques, such as logistic regression or structural equation modeling. These methods would be better equipped to measure "influence" and explore the potential mediating or moderating variables—like financial literacy, perceived financial risk, or individual differences in impulsivity—that might explain why paylater usage might not directly exacerbate impulsive buying, or why impulsive behavior is persistent across various payment methods. Such an approach would move beyond a simple association test to provide a more comprehensive understanding of consumer decision-making in this evolving e-commerce landscape.

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