Fiqh Muamalah Analysis of Paylater Systems
Behavioral Control, Impulse Buying, and Sharia Compliance
DOI:
https://doi.org/10.47200/ulumuddin.v16i1.3612Keywords:
Paylater, Behavioral Control, Impulse Buying, E-commerce, Sharia ComplianceAbstract
The rise of paylater as a dominant payment feature in Indonesian e-commerce and e-wallet platforms has triggered notable shifts in how consumers make purchase decisions. This study explores, through a qualitative literature approach, how paylater weakens behavioral control particularly perceived behavioral control within the Theory of Planned Behavior and accelerates impulse buying tendencies. When payment friction is reduced to a single tap, the psychological cost of spending diminishes, making unplanned purchases feel deceptively rational. Findings further indicate that impulse buying, when paired with satisfying post-purchase experiences, mediates repurchase intention. However, this cycle is fragile post-purchase regret can just as easily sever platform loyalty. From an Islamic economic lens, paylater raises unresolved concerns regarding transparency, interest-like penalties, and the promotion of israf. The study concludes that the behavioral consequences of financial technology design deserve more critical attention.
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