Journal Indonesian Impression (JII)
Vol. 4, No. 1, January 2025
p-ISSN: 2828-1284 e-ISSN: 2810-062x
Website: https: //rivierapublishing.id/JII/ index.php / jii /index
Doi: 10.58344/jii.v4i1.6194 1038
SYSTEMATIC LITERATURE REVIEW: CONSUMER BEHAVIOR IN
THE USE OF CREDIT CARDS AND PAY LATER PAYMENT SYSTEMS
Thania Kusmalinda
Universitas Paramadina, Indonesia
thania.kusmalinda@students.paramadina.ac.id
Keywords
Abstract
behavior consumer, card
credit, pay later
In today's digital era where there are many technological
transformations, the ease of conducting financial transactions is one of
the things that many people enjoy. One of the services that is widely used
is credit cards and pay later systems. A credit card is a payment
instrument using a card where the cardholder's payment obligation is
fulfilled by the issuer first, then the cardholder is required to make
payments at the agreed time, either in full or in installments. Pay later is
a type of short-term loan through a digital platform that allows users to
purchase goods and then make payments through a series of installments.
The purpose of this literature is to investigate using a systematic
literature review method (Systematic Literature Review) from various
studies to find out how consumer behavior is towards the use of credit
cards and pay later. In this study, it was found that demographic factors
and consumer behavior have an important role in the use of both payment
systems. The use of credit cards is driven by adequate economic factors
such as high income. In using the pay later payment system, young
consumers (<29 years) tend to have impulsive buying behavior. The
drive for a modern lifestyle and a lifestyle that leads to hedonism makes
them interested in going into debt. Individuals who have strong self-
control tend to be better able to resist excessive use of credit cards and
pay later systems. The implication of this finding is to provide input to
the public not to use credit cards and pay later excessively because Lots
impact negative that will appear.
Correspondence Author: Thania Kusmalinda
E-mail: thania.kusmalinda@students.paramadina.ac.id
INTRODUCTION
In the era of globalization and digitalization, behavior consumer has experience change
significant, especially in matter use tool modern payments such as card credit and services pay
later (BNPL, Buy Now Pay Later). Services This has become part not inseparable from style
life consumers worldwide, offering convenience access credit and flexibility unpaid payments
Once happen previously (Wiyata et al., 2024). However, behind superiority said, service this
also brings up global challenges such as improvement behavior consumptive, risk fail pay, and
implications to sustainability environment (Juita et al., 2023).
System pay later, which is innovation in technology finance, has experience growth
significant in various developing countries, including Indonesia. The Financial Services
Authority (OJK) noted that contract BNPL financing increases almost 17 times in five years
Lastly, reflect enthusiasm consumer to service This (Nikolaus et al., 2024). However, growth
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Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1039
rapid This also presents risk finance individual and systemic, especially for consumer with
literacy low finances.
In Indonesia, the use of card credit and services pay Later show pattern unique influenced
by factors demographics, culture, and technology. Generation young, especially generation Z,
become user main service This Because its practicality and accessibility (Nikolaus et al., 2024).
Studies show that service This often push behavior purchase impulsive, which has the potential
cause problem finance term length (Putri et al., 2023).
In context specific, phenomenon this is also associated with style modern life tends to
materialistic and hedonistic (Haryana, 2017). Consumers young people in Indonesia are more
choosing BNPL over card credit traditional because of the more complicated application
process easy and fast (Luthfia et al., 2023). However, this this also improves vulnerability to
behavior consumerism that is not controlled, especially among students who often use service
This For objective entertainment and style life (Adiprasetyo & Surjandy, 2024).
Study This own urgency tall remember impact wide from use card credit and BNPL
against condition social and economic society. Based on study previously, use service This
often not balanced with understanding deep about literacy finances, which resulted in
improvement case fail pay and problem finance other (Decky, 2020). In addition, the behavior
Impulsive spending driven by BNPL services also contributes to waste. source power and
impact environment negative (Juita et al., 2023).
This study aiming For give description systematic about factors that influence behavior
consumer in use card credit and BNPL. With thus, research This expected can give
recommendation practical For increase literacy finance and management finance individuals
in society.
Behavior consumer in use card credit has become subject study during a number of
decade . Factors like demographics, style life and psychology consumer often referred to as as
determinant main use card credit (Fauzan, 2017). For example, consumers with income height
and style modern life more tend use card credit For fulfil need style life they (Annisa, 2019).
Temporary that, a relatively BNPL service new get attention academic Because his
ability For influence behavior purchase impulsive. Research show that service this is very
interesting for generation young people who often prioritize comfort compared to risk term
length (Nikolaus et al., 2024). Factors like literacy finance, influence social, and approaches
Marketing also plays a role important in push adoption service this (Adiprasetyo & Surjandy,
2024).
In context psychology, concept like mental accounting and control self has used For
explain Why consumer tend use card credit and BNPL in excessive (Haryana, 2017). This study
also highlights How factor emotional like instability emotional and materialism can increase
risk behavior consumerism that is not under control.
Study This offer a more approach comprehensive with merge analysis behavior consumer
to card credit and BNPL in One framework systematic. Previously, some big study only focus
on one aspect only, so that not enough give description holistic about behavior consumer in the
digital era ( Wiyata & Kusuma, 2024).
With use method review literature systematic, research This No only identify factors
main influencing factors behavior consumers, but also evaluate relevance and implications
Thania Kusmalinda
Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1040
from findings previously in Indonesian context. This is expected can give contribution
significant to existing literature and offers outlook practical for maker policies and actors
industry.
Study This aiming For Identifying factors main influencing factors behavior consumer
in use card credit and BNPL. Evaluating role literacy finance and factors psychological in push
behavior consumptive. Providing recommendation practical For increase literacy finance and
management finance individuals in society. Highlighting implications social and
environmental from use card credit and BNPL. With covers various aspect this, research This
expected can give meaningful contribution in understand and manage phenomenon This in a
way more effective.
RESEARCH METHODS
The research method used in this study is Content Analysis, which focuses on text
analysis related to consumer behavior in the use of credit cards and pay later, where this study
conducts analysis by discussing text studies. Max Weber (in Octaviani & Purwanti, 2024) calls
content analysis a research method that uses procedures to make valid conclusions from text.
One of the steps taken is to analyze the Trend Terms (terms) in the title, where at this analysis
stage it aims to analyze the content and trends of the collection of articles by measuring the
strength of the terms in the articles studied. As a result, 9,348 keywords were found with 55
relevant keywords.
Figure 1. Visualization of Terms
At the stage trend analysis, the term " consumer behavior " is the most frequently used
term with a total of 39 channels. This shows that the term has a strong relationship with other
terms , where it can be seen that consumer behavior is related to the use of credit cards and pay
later. This shows that consumer behavior is related to many topics and themes with various
articles related to the use of credit cards and pay later payment systems examined in this
Systematic Literature Review study.
The analysis method used is a qualitative method that maps information to be classified
into certain categories. The numerical data obtained certainly supports the analysis, but the
main focus is on qualitative data. The qualitative method in this study focuses on collecting
data from various literatures, then classifying and analyzing connection with object study.
This research was conducted by systematic literature review and by analyzing relevant
literature from several journal sources that discuss consumer behavior in the context of credit
card use. This method includes steps taken to conduct research consisting of collecting
Thania Kusmalinda
Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1041
information sources, selecting inclusion and exclusion criteria, quality assessment, data
collection, analysis and evaluation, and findings.
1. Collection of Information Sources
First, we will collect relevant sources of information such as Google Scholar that
discuss behavioral consumers and cards credit since 2016.
2. Selection of Inclusion and Exclusion Criteria
This selection is used to select studies that are relevant to the research topic. Inclusion
criteria include studies that focus on consumer behavior and credit card usage using empirical
data or qualitative analysis. Exclusion criteria may include literature that does not relevant or
No fulfil standard methodological.
3. Data Collection
Data collection was conducted by systematic search based on predetermined inclusion
and exclusion criteria to identify appropriate articles and literature. Data from each selected
article and literature were then carefully retrieved and analyzed.
4. Analysis and Evaluation
Each literature included in the review will be analyzed for critical evaluation regarding
research methodology, validity findings, and relevance with Topic study
5. Findings
The results of the analysis will be managed to provide an overview of consumer
behavior towards the use of credit cards and pay later. The following is a flowchart of the
PRISMA 2020 search method shown in Figure 2 below. This.
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Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1042
Figure 2. PRISMA Flowchart
The article collection process was carried out through Google Scholar, a digital platform
that provides access to various academic publications. Google Scholar is a platform where we
can search for a lot of literature from various scientific publications. The article search was
carried out using keywords and sentences related to the research topic, namely consumer
behavior, credit cards, and pay later. The findings can be seen in table 1 below:
Table 1. Journal Findings Related to Consumer Behavior Towards Credit Cards and Pay
Later
No.
Journal Title
Year
1
Demographic Factors to Behavior Credit Card Usage
2016
2
Customer Lifestyle Decisions and Credit Card Usage
2017
3
The Influence of Mental Accounting and Psychological Factors on Behavior
Consumer in Credit Card Usage
2017
4
Behavior Analysis Bank Syariah Credit Card Users
2019
5
Behavior Analysis Consumers and Credit Card Security Banking
2020
6
Behavior Analysis Consumers and Credit Card Security Banking
2020
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1043
7
Pay Later and Impulse Buy Behavior in the Industrial Era 4.0
2023
8
The Influence of Consumer Generation and Gender on Impulse Buying
Behavior of Pay Later Users
2023
9
Understanding Impulse Buying Behavior Among Buy Now Pay Later (BNPL)
Users and Its Implications To Overconsumption and the Environment
2023
10
The Influence of Using Later Payment Methods and Financial Literacy on
Impulsive Buying Behavior by Generation Z E-Commerce Users in Indonesia
2024
11
Analysis of Important Motivations and Challenge Factors of Buy Now, Pay
Later Services Among Indonesian Students
2024
12
Driving Factors of Impulse Buying Decisions: The Case of Buy Now Pay Later
Services
2024
In the use of credit cards and pay later, consumer behavior plays a very important role in
determining purchasing decisions and financial management. To understand how consumer
behavior affects the use of credit cards and pay later, it is important to examine the key factors
that influence consumers' decisions to use both services. This study aims to answer important
questions related to consumer behavior in the use of credit cards and pay later, by exploring
what factors contribute to the habit of shopping with credit cards and pay later.
To find out consumer behavior in using credit cards and payment systems later, this study
must have a strong theoretical basis and relevant empirical evidence. One step in collecting
sources of information is to search for articles that have been published in journal form into
trusted academic sources, which has been done in this study, namely through Google Scholar.
This aims to find relevant articles and support research on consumer behavior in using credit
cards and pay later.
RESULTS AND DISCUSSION
The search results show that there are a number of articles that can provide knowledge
and data related to this research, where the search obtained a total of 12 articles that can support
the analysis in this study. The results of the analysis of the following articles can be seen in
table 2 below:
Table 2. Review of Related Journals Behavior Consumer in Credit Card Usage
No.
Journal Title
Population &
Sample
Results
1
Demographic
Factors to Behavior
Credit Card Usage
Credit card users in
Surabaya as
primary and
People with an
income of Rp
3,000,001 - Rp
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additional
cardholders with
various ages (23 to
>50 years), income,
and marital status. It
consists of 113
respondents.
10,000,000 million
per month, namely
the income group for
fresh graduates (early
work) and unmarried
people tend to use
credit cards wisely
(paying credit card
bills in full ).
2
Customer Lifestyle
Decisions and Credit
Card Usage
Credit card users at
Bank Mandiri
Pematangsiantar
branch from 2011-
2015 with sample of
100 people.
Lifestyle-oriented
people tend to be
encouraged to use
credit cards, but they
do not play much of a
role in decision
making.
3
The Influence of
Mental Accounting
and Psychological
Factors on Behavior
Consumer in Credit
Card Usage
Visitors to
Tunjungan Plaza
Surabaya who shop
using credit cards
For transact with a
total of 112
respondents .
Individuals who use
credit cards
uncontrollably are
caused by a lack of
self-control and
short-term orientation
in individuals.
Emotional instability
, materialism , and
debt tend to increase
credit card use.
Individuals who have
a careful or careful
attitude tend to
decrease credit card
use.
4
Behavior Analysis
Bank Syariah Credit
Card Users
Direct interview at
Bank Syariah
Surabaya about:
a. 2 employees of
Bank Syariah
Surabaya
b. 3 customers who
use Islamic bank
The five factors that
dominate the use of
Islamic credit cards
are:
1. Lifestyle: modern
lifestyle
2. Trust: trust in the
credit card issuing
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Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1045
credit cards
c. 3 Customers who
use conventional
bank credit cards
bank
3. Family: get
approval from family
4. Income: have a
high income
5. Reference group:
suggestions from
friends.
5
Behavior Analysis
Consumers and
Credit Card Security
Banking
Data uses a
literature review
approach published
online.
Consumer behavior
in using credit cards
is more dominated by
personal factors such
as age, life cycle
stage, occupation,
economic situation,
lifestyle, personality,
and self-concept).
With the drive of
needs and lifestyle,
many consumers are
interested For use
card credit .
6
Behavior Analysis
Consumers and
Credit Card Security
Banking
Data and
information were
obtained from
library sources
originating from
books, journals,
articles, and other
reading materials
that are relevant to
the topic of this
research.
Consumer behavior
in using credit cards
is more dominated
and influenced by
dominant personal
factors such as age,
life cycle stage,
occupation, economic
situation , lifestyle.
life , personality , and
concept self .
7
Pay Later and
Impulse Buy
Behavior in the
Industrial Era 4.0
Adult women in the
age range of 19-44
years who have
used pay later
services . Total 10
respondents
The sample was taken
because it refers to the
research of Dude et
al. (2022) 69 % of pay
later users are
women. Clients have
a tendency to buy
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Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1046
impulsively which
causes them to get
caught in an
uncontrollable debt
cycle. Individuals
who have strong self-
control will refuse
excessive use of pay
later .
8
The Influence of
Consumer
Generation and
Gender on Impulse
Buying Behavior of
Pay Later Users
Pay later users with
generations Z and
Y, a total of 204
respondents with 73
men and 131
women.
Consumers aged 18 to
29 years tend to
experience an
increase in impulsive
buying (in the late
adult development
stage). In addition,
the tendency to shop
impulsively is more
dominant in women.
9
Understanding
Impulse Buying
Behavior Among
Buy Now Pay Later
(BNPL) Users and
Its Implications To
Overconsumption
and the Environment
Pay Later Users
with a total of 185
respondents with
63% women and
47% men.
The convenience and
ease offered by BNPL
services may
contribute to
impulsive purchasing
behavior in both
women and men,
driven by the
confidence in which
consumers believe in
their ability to
manage their
finances.
10
The Influence of
Using Later Payment
Methods and
Financial Literacy
on Impulsive Buying
Behavior by
Generation Z E-
Commerce Users in
Generation Z (age
range <27 years)
and domiciled in
Indonesia. A total of
105 respondents
with 65.7% female
and 34.3% male.
In generation Z (age
range <27 years), the
use of the pay later
payment method is
one of the... driving
factors behavior
purchase impulsive .
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1047
Indonesia
11
Analysis of
Important
Motivations and
Challenge Factors of
Buy Now, Pay Later
Services Among
Indonesian Students
There are 373
students in
Indonesia.
Buy Now, Pay Later )
services for
entertainment, where
ease of use, financial
attitudes, and benefits
can be relevant to
various aspects of
hedonism. It was
found that Indonesian
students do not have
strong financial
attitudes , which
means that financial
literacy in Indonesia
needs to be improved.
12
Driving Factors of
Impulse Buying
Decisions: The Case
of Buy Now Pay
Later Services
Users of Buy Now,
Pay Later (BNPL)
services in
Indonesia. Samples
were taken from
Brawijaya
University students
aged 18-25 years ,
with a total of 120
respondents .
In people in the 18-25
year age range , the
decision purchase
impulsive affected by
payment installments
, conspicuous
consumption , critical
mass , and price
discounts . Gender
differences are that
men's purchasing
behavior tends to be
influenced by
discounts and more
affordable
installments, while
women tend to be
influenced by social
influence .
Discussion
Influence of Demographic Factors to Behavior Credit Card Usage
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1048
Demographic factors play role significant in determine behavior consumer to use card
credit . Research show that user card unpaid credit married and settled in stage beginning career
(fresh graduate) has trend For use card credit with wise, like pay bill full every month. Users
with income range between IDR 3,000,001 to IDR 10,000,000 per month tend utilise card
credit as tool management efficient finance. In addition, consumers with age more mature tend
more conservative in use card credit compared to with generation younger than tend do
purchase impulsive.
Customer Lifestyle Decisions and Credit Card Usage
Modern lifestyle, which is characterized with need For fulfil various activity social and
entertainment, encouraging consumer For use card credit. Research find that society that has
style life consumptive tend use card credit as tool payment main. However, no all user card
credit depend on style life as factor main in taking decisions. Some user choose card credit
Because factor the comfort and convenience offered. In some In cases where customers are
also influenced by friends or group recommended references use card credit For fulfil need
they.
Influence Mental Accounting and Psychological Factors to Behavior Consumer in Credit
Card Usage
Mental accounting is concept that explains How individual grouping income and
expenses based on category certain . In the context of card credit, individuals who have control
self low and orientation term short more prone to to use card excessive credit. They often get
stuck in overspending habits due to inability For withhold encouragement buy items that are
not required. In addition, the factor psychological like instability emotions, materialism, and
attitudes anti-debt also affects behavior Consumers. Consumers with characteristic
materialistic tend use card credit For buy goods luxury that increases social status they,
meanwhile a cautious individual or own more conscientiousness trait tend use card credit in a
way responsible answer.
Analysis Behavior Bank Syariah Credit Card Users
Use card credit sharia based shows significant difference compared to with card credit
conventional. The main factors that drive use card Sharia credit includes trust to institution
publisher, support family, and influence group references. In addition, the values religious also
plays role important in decision use card sharia credit, where customers feel more comfortable
with product appropriate finance with principles of Islam. Income height also becomes factor
determinant main, because Customer card general sharia credit originate from group more
economy well established.
Analysis Behavior Consumers and Credit Card Security Banking
Security in use card credit is attention main for Lots Consumers. Research show that
factor security often become inhibitor or booster in use card credit. In some case, consumer
feel No comfortable with potential risk like data theft or use No legitimate. However, the need
For fulfil style life and convenience transaction often beat concern those. Consumers who are
more aware to risk tend choose card credit with feature security additional, such as technology
encryption or protection insurance transaction.
Thania Kusmalinda
Systematic Literature Review: Consumer Behavior In The Use Of Credit Cards And Pay Later Payment
Systems
Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1049
Pay Later and Impulse Buying Behavior in the Industrial Era 4.0
Pay later service is one of the method payments that are in great demand in this digital
era. Research show that service This Lots used by women aged 19–44 years, with part big user
trapped in cycle purchase impulsive. Convenience and accessibility factors make pay later
service is very interesting for consumers. However, the consequences from behavior impulsive
This often leads to an increase in unmanageable debt. Controlled, Individuals who have control
good self tend more capable manage use service This in a way wise, while those who don't own
control self potential experience difficulty finance in the future.
Influence Generation Consumers and Gender towards Behavior Purchase Impulsive Pay
Later Users
Generation Z and millennials is group main one that utilizes pay later service. Research
show that generation This tend more impulsive in taking decision purchase compared to with
generation previously. Women are more often do purchase impulsive compared to men, who
are affected by pressure social and needs For follow trend. On the other hand, men tend driven
by discounts and bigger installments affordable. This gender factor show existence difference
significant preference in use pay later service.
Understand Behavior Purchase Impulsivity Among BNPL Users and Its Implications on
Overconsumption and the Environment
The convenience offered by the buy now, pay later (BNPL) service has cause
improvement excessive consumption. Research show that behavior consumptive This No only
impact on finances individual, but also provide pressure addition to the environment. Use
BNPL services that are not under control can cause waste source power, which ultimately to
worsen problem environment. Therefore that 's important For increase awareness consumer
about impact negative from behavior purchase impulsive this.
Influence Use of Later Payment Methods and Literacy Finance to Behavior Purchase
Impulsive
In generation Z who use e-commerce services, literacy finance proven become factor
determinant in reduce purchase impulsive. Individual with literacy more finances Good tend
more aware will risks and consequences term long from use pay later service. However, literacy
low finances can cause increase in debt that is not controlled, especially among child young
people who are often influenced by discounts and promotions.
Analysis Motivation Important and Challenge Factors Buy Now, Pay Later Service in the
Circle Indonesian Students
Indonesian students tend to use BNPL services for fulfil need entertainment and style life
hedonistic. The main factor that drives use service This is convenience access, attitude financial
shortfall ripe, and benefits term short. However, the challenge main is lack of literacy finances
that make student more prone to to risk finance. Research This highlight the need education
more finances Good For help student make decision more finances wise.
Factors Driving Purchasing Decisions Impulsive : The Case of Buy Now, Pay Later
Services
Behavior purchase impulsive in BNPL services are driven by several factors, including
discounts, installments and pressure social. Men are more influenced by incentives financial
like affordable discounts and installments, while woman tend influenced by influence social.
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Journal Indonesian Impressions (JII) Vol. 4, No. 1, January 2025 1050
Research This show that gender plays a role role important in determine factors that influence
decision purchase impulsive.
CONCLUSION
Demographic factors, such as age, income, and social status, as evidenced by own role
important, with individual young people who haven't Marry tend more be careful in use card
credit. In addition, the style modern life also encourages use card credit, although decision the
often influenced by needs comfort and influence group reference. In the context of
psychological, control low self-esteem, materialism, and instability emotion increase risk
behavior consumerism that is not under control. Service pay Later the more popular among
generation Z because convenience access, even though service This often triggers behavior
purchase impulsive, especially in older women affected by pressure social. Use card credit and
services pay later that doesn't under control can cause problem finance term length and impact
negative to environment consequence consumption excessive. Therefore that, is needed
education finance, control self, more regulation tight, and campaign awareness For reduce risks
posed by the service this and push management more finances wise and sustainable.
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