Paper Title
Does Financial Literacy Influence The Use of Pay Later in Indonesia?

Abstract
Technological developments, especially in e-commerce, are indicated by the emergence of the PayLater buy now feature. This study aims to investigate the effect of financial literacy on the use of PayLater moderated by shopping behavior. The research was conducted using a survey through a questionnaire to 104 respondents in Indonesia. The study results show that financial literacy affects the use of PayLater in Indonesia, and this influence is also moderated by high shopping behavior. Keywords - Financial Literacy, Buy Now Pay Later, Shopping Behavior