Abstract :

The Rapid technological and informational advancements have an effect on the financial industries. One of its offerings is financial technology, sometimes known as fintech. In 2018, a number of fintech startups introduced products that enable clients to make installment payments without credit cards. This is referred to as Buy Now, Pay Later (BNPL). Then, numerous technology firms, such as Traveloka, Shopee, and Gojek, embrace this approach to round out their payment alternatives. The market for BNPL in Indonesia is quite promising. Demand for BNPL is quite high, as seen by the rapid expansion of BNPL providers in Indonesia. Many companies, including Traveloka, Gojek, Shopee, and others, demonstrated a rise in BNPL product usage. Using the Technology Readiness and Acceptance Model, this study examines the Buy Now, Pay Later usage intent (TRAM). This study concludes that technology readiness, perceived usefulness, and perceived simplicity of use influence the intention to use a BNPL product, with perceived usefulness having the most direct impact on users’ intentions.

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Keywords :

Buy Now Pay Later, Technology Adoption, Technology Readiness, TRAM Model, Use Intention.

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