The Effect of Using the Shopee Paylater Payment Feature on the Shopee Application on Consumptive Behavior

The development of technology and the digital economy has greatly changed consumption behavior and the way consumers shop. One of the most popular shopping apps and easy to transact is through the shopee platform. Shopee paylater is a practical means of payment and can provide instant loan funds with minimum interest. This study aims to determine the effect of convenience, trust, lifestyle, risk and the use of shopee paylater features on consumptive behavior. This study uses quantitative methods with primary data . Sampling using the established criteria and obtained as many as 228 respondentsThe data analysis method used is multiple linear regression analysis with SPSS program. The results showed that the variables of trust, lifestyle, and risk had an effect on consumptive behavior, while the convenience and user features variables had no effect on consumptive behavior.