Abstract
This research in-depth examines the impact of three key factors, namely income, hedonistic lifestyle, and business motivation, on the use of Paylater services by students in Surabaya. The results of data analysis show that student income plays an important role in determining the extent to which they tend to use Paylater services; Hedonistic lifestyles also influence decisions to use these services, with students seeking experience and enjoyment in consumption more likely to utilize Paylater's features. Business motivation, such as interest in entrepreneurship and understanding investment, apparently plays a positive role in the use of Paylater. These findings provide deeper insight into trends in the use of these innovative financial services among students and have important implications for Paylater service providers, governments, and universities in supporting financial literacy and wise financial management among students.
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