This is a Variety of Motivations of Indonesian People in Using PayLater

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Nabilah Muhamad 26/10/2023 14:16 WIB

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According to a Populix survey, the majority of Indonesian consumers use buy-now-pay-later services to cover internet expenses and fashion purchases.

Respondent Motivations for Using PayLater (September 2023)

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Respondent Motivations for Using PayLater (September 2023)

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The Populix survey, titled *Unveiling Indonesia's Financial Evolution: Fintech Lending & Paylater Adoption*, found that 45% of respondents admitted to having used paylater services.

So, what are the reasons Indonesian consumers use paylater?

The survey results show that the majority, or 48% of respondents, admitted to using paylater to cover internet/data package costs, credit card payments, or electricity bills, as well as fashion purchases.

Furthermore, 35% of respondents used paylater services to meet monthly expenses, 21% to buy gadget and electronic accessories, and 19% to buy the latest gadgets.

Meanwhile, 10% of respondents were motivated to use paylater for vacation, staycation, or entertainment expenses, and 6% for other needs.

This survey also highlights respondents' considerations when using a particular paylater app/service. As a result, 71% of respondents stated they choose paylater services that are already connected to marketplaces.

This is followed by respondents who consider paylater apps registered with the Financial Services Authority (OJK) at 67%, flexible payment installments (57%), easy registration (52%), and low-interest rates (50%).

This Populix survey was conducted from September 15-18, 2023, involving 555 respondents who use paylater services and are spread across various regions in Indonesia.

The majority of respondents are located on Java (79%), followed by Sumatra (12%), and other islands (9%). By age, respondents are dominated by the 17-25 age group (55%) and the 26-35 age group (31%).

(See also: 8 Most Popular Paylater Services in Indonesia, Shopee Paylater Takes the Lead)

Editor : Padjar Iswara

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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