Analisis Pengaruh Kemudahan Akses, Persepsi Kemanfaatan, Dan Financial Literacy terhadap Pengguna Paylater Oleh Gen Z Di Surakarta

The research seeks to examine how accessibility, perceived benefits, and financial knowledge influence Generation Z's choices in adopting the Paylater option within digital wallet apps in Surakarta. It adopts a quantitative methodology featuring a causal associative framework. Key information was gathered via internet-based surveys sent to 100 participants chosen through purposive sampling techniques. Statistical examination involved multiple linear regression analysis utilizing SPSS software. F