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Abstract

Purpose: This study aims to analyze the influence of financial literacy, individual income, and ease of access on credit default among Generation Z paylater users in Pangkal Pinang City.


Research Method: A quantitative associative approach was employed using data from 122 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS 25.


Results and Discussion: The results show that financial literacy and ease of access have a significant negative effect on credit default. In contrast, individual income does not have a significant effect. Simultaneously, all variables significantly influence credit default, explaining 15.6% of the variance. These findings indicate that credit default behavior is associated with financial understanding and accessibility factors, although the explanatory power of these factors remains limited.


Implications: The findings provide indicative insights to help financial service providers and regulators enhance transparency and support financial education on digital credit usage. Future research is recommended to include behavioral and contextual variables.


Originality: This study contributes to the BNPL credit risk literature by providing empirical evidence from a local Indonesian context and highlighting behavioral and accessibility dimensions among Generation Z users.

Keywords

financial literacy individual income ease of access credit default paylater

Article Details

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Author Biographies

Adinda Okta Olivia, Universitas Bangka Belitung, Indonesia

I am an undergraduate student at Universitas Bangka Belitung, majoring in Management. My research interests are management in finance and credit behaviour.

Nizwan Zukhri, Universitas Bangka Belitung, Indonesia

A lecturer at the Management Department, Universitas Bangka Belitung.

Darman Saputra, Universitas Bangka Belitung, Indonesia

A lecturer at the Management Department, Universitas Bangka Belitung.

How to Cite
Olivia, A. O., Zukhri, N., & Saputra, D. (2026). Determinants of Credit Default Among Generation Z Paylater Users in Pangkal Pinang City, Indonesia. Advances in Management & Financial Reporting, 4(2), 418–431. https://doi.org/10.60079/amfr.v4i2.796
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