Purchase Decision: Do the Paylater Ease and Consumer Satisfaction Affect It? (Case Study on Shopee Paylater and Gojek Paylater)

This study aims to determine the effect of Paylater convenience in the form of user age at registration, payment tenor flexibility, interest rates or fees and consumer satisfaction with purchasing decisions using Pay Later. This study compares the use of Paylater on Shopee and Gojek. The consideration of comparing the two Paylater platforms is because these two platforms rank the most used by Paylater users in Indonesia. The author uses primary data by using a sample of Paylater users in Malang City as research material and using PLS in analyzing the data. The results showed that user age, credit interest rates and consumer satisfaction had a significant effect on purchasing decisions at Shopee Paylater. While on Gojek Paylater, the variables that have a significant effect are credit interest rates and purchase satisfaction.