Factors influencing the intention to use buy now pay later in Malaysia

Loh, Pui Yee (2023) Factors influencing the intention to use buy now pay later in Malaysia. Final Year Project, UTAR.

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Abstract

Buy Now Pay Later (BNPL) has become more and more famous in the last few years, especially during the Covid-19. People all around the world started to use Buy Now Pay Later when they were purchasing online via certain applications such as Atome, SpayLater, Hoolah, so on and so forth. Thus, the aim of this research is to study the relationship between performance expectancy, effort expectancy, facilitating conditions, social influence, materialism, trust, and satisfaction with the intention to use Buy Now Pay Later in Malaysia. In this study, the researcher has adopted the Unified Theory of Technology Acceptance and Technology Use (UTAUT) to develop a conceptual framework based on the context of Buy Now Pay Later. Besides that, there were a total of 270 sets of survey questionnaires distributed to local Buy Now Pay Later users. However, only 255 sets were used for data analysis. From the findings and results, it shows that only performance expectancy, social influence, and satisfaction are significantly influencing the intention to use Buy Now Pay Later, whereas effort expectancy, facilitating conditions, materialism, and trust are not significantly influencing the intention to use Buy Now Pay Later. In short, this research provides some theoretical and practical implications for practitioners and academics, which will help them to have a better understanding of Buy Now Pay Later in the future.

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