Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia
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Published:
May 24, 2021
Keywords:
E-Commerce, Online Impulse Buying, Paylater
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Abstract
The development of e-commerce has had an impact on payment methods which were originally only known as cash payments, paper-based, card based, are now being introduced with new electronic-based payment systems such as m-banking, virtual accounts, payment applications. Paylater is a type of online credit payment. Paylater allows its users to have a credit card without a card and without a complicated manufacturing process. This study uses a quantitative descriptive analysis method so that the data used is the result of distributing questionnaires to 404 samples who meet the criteria. The results of this study indicate that the ease of use oftechnology paylaterhas an effect of 6.4% on the impulsive buying behavior ofusers e-commerce in Indonesia. From the results of data processing, it can be concluded that the ease of use oftechnology paylater byusers e-commerce in Indonesia is very good andusers paylater tend to make impulse buying when shopping
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How to Cite
Sari, R. (2021). Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia. Jurnal Riset Bisnis Dan Investasi, 7(1), 44-57. https://doi.org/10.35313/jrbi.v7i1.2058
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Regular Article
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References
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Akram, U., Hui, P., Kaleem Khan, M., Tanveer, Y., Mehmood, K., & Ahmad, W. (2018). How Website Quality Affects Online Impulse Buying. Asia Pacific Journal Of Marketing And Logistics, 30(1), 235–256. doi:10.1108/apjml-04-2017-0073
Amos, C., Holmes, G.R. and Keneson, W.C. (2014), “A Meta-Analysis Of Consumer Impulsive Buying”, Journal Of Retailing And Consumer Services, Vol. 21 No. 2, pp. 86-97.
Bank Indonesia. (2008). Laporan Sistem Pembayaran dan Pengedaran Uang. Direktorat Akunting dan Sistem Pembayaran dan Direktorat Pengedaran uang.
Beatty, S. E., & Elizabeth Ferrell, M. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169–191. doi:10.1016/s0022-4359(99)80092-x
Bloch, Peter H; Daniel L Sherrell and Nancy M Ridgway. (1986). Consumer Search: An Extended Framework, Journal of Consumer Research, 13, (1), 119-26.
Boateng, R., Heeks, R., Molla, A., & Hinson, R. (2008). E‐commerce and socio‐economic development: conceptualizing the link. Internet Research, 18(5), 562–594. doi:10.1108/10662240810912783
Budiasih, Yanti. (2012). Statistik Deskriptif untuk Ekonomi dan Bisnis. Tangerang: Jelajah Nusa
Chaffey, D. (2002). E-Business and E-commerce Management. Harlow: Pearson Education Limited.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. doi:10.2307/249008.
Engel, J.F., Blackwell, R.D., Miniard, P.W. (2005). Consumer Behavior 10th Edition. Amerika Serikat: South-Western College Pub.
Fakri, Ahmad. (2016). Pengaruh Online Customer Review Dan Rating Terhadap Kepercayaan Dan Minat Pembelian Pada Online Marketplace Di Indonesia. Surabaya: Institut Teknologi Sepuluh Nopember.
Fearon, C., Philip, G. (1998). Self assessment as a means of measuring strategic and operational benefits from EDI: the development of a conceptual framework. Eur J Inf Syst 7, 5–16. https://doi.org/10.1057/palgrave.ejis.3000287
Ghozali, Imam. 2013. Aplikasi Analisis Multivariate dengan program IBM SPSS 21. Semarang: Badan Penerbit Universitas Diponegoro.
Goyal, Mittal. (2007). Gender influence on shopping enjoyment—an empirical study. Ind. Manage. Stud. J. 11 (2007), 103–116. DOIURL :http://dx.doi.org/10.18843/ijms/v5i3(5)/02
Gunadhi, Novy. (2012). Faktor-Faktor yang Mempengaruhi Impulse Buying pada Carrefour di Surabaya. Surabaya: Institut Teknologi Sepuluh Nopember.
Hanggono, Aditya Arie. Handayani, Siti Ragil. Susilo, Heru. (2015). Analisis Atas Praktek TAM (Technology Acceptance Model) Dalam Mendukung Bisnis Online Dengan Memanfaatkan Jejaring Sosial Instagram. Malang: Universitas Brawijaya.
Harinaldi. (2005). Prinsip-Prinsip Statistik Untuk Teknik dan Sains. Jakarta: Erlangga.
Harmon & Novia. (2016). Faktor Penentu Perilaku Impulsive Buying Pada Fashion Business Di Kota Bandung. Bandung: Politeknik Negeri Bandung.
Hendra, J., & Iskandar R, A. (2016). Aplikasi Model TAM Terhadap Pengguna Layanan Internet Banking di Kantor Bank Jatim Cabang Situbondo. Jurnal Ilmiah Ecobuss, 4(1), 40 - 48. Retrieved from https://ejournal.upm.ac.id/index.php/ecobuss/article/view/203
Hoch, S. J., & Loewenstein, G. F. (1991). Time-Inconsistent Preferences and Consumer Self-Control. Journal of Consumer Research, 17(4), 492. doi:10.1086/208573
Istiarni, P. R. D., & Hadiprajitno, P. B. (2014). Analisis Pengaruh Persepsi Manfaat, Kemudahan Penggunaan Dan Kredibilitas Terhadap Minat Penggunaan Berulang Internet Banking Dengan Sikap Penggunaan Sebagai Variabel Intervening (Studi Empiris: Nasabah Layanan Internet Banking di Indonesia). Diponegoro Journal of Accounting, 3(2), 888-897. Retrieved from https://ejournal3.undip.ac.id/index.php/accounting/article/view/6155
Kotler, P., & Keller, K. L. (2012). Marketing Management. Upper Saddle River, N.J: Pearson Prentice Hall.
Kusnawan, Agus. Silaswarna, Diana. Andy. Tjong, Sefung. (2019). Pengaruh Diskon pada Aplikasi e-Wallet terhadap Pertumbuhan Minat Pembelian Impulsif Konsumen Milenial di Wilayah Tangerang. Tangerang: Universitas Budi Dharma.
Laudon, Kenneth C.&Traver, Carol Guercio. (2014). E-commerce: business, technology, society tenth edition. New Jersey: Pearson Education, Inc.,
Lee, H. (2018). Intrinsic and extrinsic motivations affecting impulse-buying tendency in mobile shopping. Social Behavior and Personality: An International Journal, 46(4), 683–694. doi:10.2224/sbp.6693
Lemeshow, S. & David W.H.Jr, 1997. Besar Sampel dalam Penelitian Kesehatan (terjemahan). Yogyakarta: Gadjahmada University Press.
Listfield, Robert. Montes-Negret, Fernando. (1994). Modernizing payment systems in emerging economies (English). Policy, Research working paper ; no. WPS 1336. Washington, DC: World Bank. http://documents.worldbank.org/curated/en/669981468765043216/Modernizing-payment-systems-in-emerging-economies
Lok, C. K. (2015). Adoption of Smart Card-Based E-Payment System for Retailing in Hong Kong Using an Extended Technology Acceptance Model. Advances in Business Marketing and Purchasing, 255–466. doi:10.1108/s1069-09642015000023b003
Loudon, David L & Della Bitta, Albert J. (1993). Consumer behavior : concepts and applications (4th ed). New York: McGraw-Hill.
Mougayar, W. (1998). Opening Digital Markets. New York: McGraw Hill.
Ngai, E.W.T. & Wat, F.K.T. (2002). A literature review and classification of electronic commerce research, Information and Management, Vol. 39 No. 5, pp. 415-29.
Nisa, Gita Chairun. (2013). Pengaruh Orientasi Belanja Dan Gender Differences Terhadap Pencarian Informasi Online Dan Belanja Online. Jakarta: UIN Syarif Hidayatullah.
Park, H. & Burns, Leslie. (2005). Fashion Orientation, Credit Card Use, and Compulsive Buying. Journal of Consumer Marketing. 22. 135-141. 10.1108/07363760510595959.
Phau, Ian & Woo, Charise. (2008). Understanding compulsive buying tendencies among young Australians : The roles of money attitude and credit card usage. Marketing Intelligence & Planning. 26. 441-458. 10.1108/02634500810894307.
Priyatno, Duwi. (2013). Mandiri Belajar Analisis Data dengan SPSS. Yogyakarta: Mediakom.
Putra, A. A. Ngr Bagus Maha & Kusuma, A. A. G. Agung Artha. (2014). Pengaruh Kecanduan Internet, Daya Tarik Promosi Dan Kepemilikan Kartu Kredit Terhadap Perilaku Pembelian Impulsif Online. Bali: Universitas Udayana.
Ratnasingam, P., & Pavlou, P. A. (2003). Technology Trust in Internet-Based Interorganizational Electronic Commerce. Journal of Electronic Commerce in Organizations (JECO), 1(1), 17-41. doi:10.4018/jeco.2003010102
Rigopoulos, George. (2019). A TAM Framework to Evaluate Users Perception Towards Online Electronic Payments. Greece: Research Associate, School of Electrical & Computer Engineering, National Technical University of Athens.
Rook, D. W. (1987). The Buying Impulse. Journal of Consumer Research, 14(2), 189. doi:10.1086/209105.
Rook, D. W., & Fisher, R. J. (1995). Normative Influences on Impulsive Buying Behavior. Journal of Consumer Research, 22(3), 305. doi:10.1086/209452.
Sedigh, Yalda Danesh. (2013). Development And Validation Of Technology Acceptance Modelling For Evaluating User Acceptance Of An E-Learning Framework. England: The University Of Birmingham.
Sudjana, Nana. (2007). Teknik Analisis Regresi dan Korelasi. Bandung: Tarsito.
Sugiama, A Gima. (2008). Metode Riset Bisnis dan Manajemen. Bandung: CV. Guardaya Intimarta.
Sugiyono. (2013). Metode Penelitian Manajemen Pendidikan Pendekatan Kuantitatif. Bandung: Alfabeta.
Suhartanto, D. (2014). Metode Riset Pemasaran. Bandung: Alfabeta.
Tangke, Natalia. (2004). Analisa Penerimaan Penerapan Teknik Audit Berbantuan Komputer (TABK) Dengan Menggunakan Technology Acceptance Model (TAM) Pada Badan Pemeriksa Keuangan (BPK) RI. Surabaya: Universitas Kristen Petra.
Tarantang, Jefry & Awwaliyah, Annisa & Astuti, Maulidia & Munawaroh, Meidinah. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al-Qardh. 4. 60-75. 10.23971/jaq.v4i1.1442.
Thompson, R.A. (1991). Emotional regulation and emotional development. Educational Psychology Review, 3, 269-307. doi:10.1007/BF01319934
Venkatesh, V., & Morris, M. (2000). Why Don't Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior. MIS Quarterly, 24(1), 115-139. doi:10.2307/3250981
Venkatesh, Viswanath & Davis, Fred. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science. 46. 186-204. 10.1287/mnsc.46.2.186.11926.
Widawati, Lisa. (2011). Analisis Perilaku “Impulse Buying” dan “Locus of Control”pada Konsumen di Carrefour Bandung. Bandung: Universitas Islam Bandung.
Wigand, R. T. (1997). Electronic Commerce: Definition, Theory, and Context. The Information Society, 13(1), 1–16. doi:10.1080/019722497129241.
Zwass, V. (1996). Electronic Commerce: Structures and Issues. International Journal of Electronic Commerce, 1, 3-23. https://doi.org/10.1080/10864415.1996.11518273
Sumber Internet:
Fadila, Annisa. (2020). Pengguna Paylater Naik 14 Kali Lipat. Jakarta: Kontan. https://keuangan.kontan.co.id/news/punya-fitur-paylater-pengguna-gopay-naik-14-kali-lipat diakses pada 10 Juni 2020.
Nabila, Marsya. (2020). Paylater Perusahaan Teknologi Dongkrak Pertumbuhan Kredit Konsumsi. Jakarta: Daily Social. https://dailysocial.id/post/paylater-perusahaan-teknologi-dongkrak-pertumbuhan-kredit-konsumsi diakses pada 10 Juni 2020.
Nayoan, Aldwin. (2019). Apa itu Ecommerce? Kenali Semua Jenis dan Manfaatnya. Jakarta: Niaga hoster. https://www.niagahoster.co.id/blog/apa-itu-ecommerce/ diakses pada 10 Juni 2020.
Quiserto, R. (2019). Paylater – OVO, Gojek, Traveloka – Mana Terbaik Terpercaya. Jakarta: Duwitmu. https://duwitmu.com/pinjaman-online/paylater-ovo-gojek-traveloka-terbaik/amp/ diakses pada 10 Juni 2020.
Setiawan, Rulli. (2020). Aplikasi Paylater Terbaik di Indonesia dan Perkembangannya. Jakarta: Atur Saja. https://www.atursaja.com/609/aplikasi-paylater-terbaik-di-indonesia/ diakses pada 10 Juni 2020.
Wahyuningsih. (2018). Lima Alasan Kenapa Banyak Orang Beralih ke Belanja Online. Jakarta: Cermati. https://www.cermati.com/artikel/5-alasan-kenapa-banyak-orang-beralih-ke-belanja-online diakses pada 10 Juni 2020.
Walfazri, Maizal. (2019). Jumlah Pengguna Naik 10 Kali Lipat, Traveloka Paylater Tingkatkan Keamanan Pengguna. Jakarta: Kontan. https://industri.kontan.co.id/news/jumlah-pengguna-naik-10-kali-lipat-traveloka-paylater-tingkatkan-keamanan-pengguna diakses pada 10 Juni 2020.
Yasmin, Gina Noor Sela Ariella. (2019). Peran Logistik dalam Kemajuan E-Commerce di Indonesia. Jakarta: Artikel Logistrik E-Commerce. https://supplychainindonesia.com/peran-logistik-dalam-kemajuan-e-commerce-indonesia diakses pada 10 Juni 2020
Akram, U., Hui, P., Kaleem Khan, M., Tanveer, Y., Mehmood, K., & Ahmad, W. (2018). How Website Quality Affects Online Impulse Buying. Asia Pacific Journal Of Marketing And Logistics, 30(1), 235–256. doi:10.1108/apjml-04-2017-0073
Amos, C., Holmes, G.R. and Keneson, W.C. (2014), “A Meta-Analysis Of Consumer Impulsive Buying”, Journal Of Retailing And Consumer Services, Vol. 21 No. 2, pp. 86-97.
Bank Indonesia. (2008). Laporan Sistem Pembayaran dan Pengedaran Uang. Direktorat Akunting dan Sistem Pembayaran dan Direktorat Pengedaran uang.
Beatty, S. E., & Elizabeth Ferrell, M. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169–191. doi:10.1016/s0022-4359(99)80092-x
Bloch, Peter H; Daniel L Sherrell and Nancy M Ridgway. (1986). Consumer Search: An Extended Framework, Journal of Consumer Research, 13, (1), 119-26.
Boateng, R., Heeks, R., Molla, A., & Hinson, R. (2008). E‐commerce and socio‐economic development: conceptualizing the link. Internet Research, 18(5), 562–594. doi:10.1108/10662240810912783
Budiasih, Yanti. (2012). Statistik Deskriptif untuk Ekonomi dan Bisnis. Tangerang: Jelajah Nusa
Chaffey, D. (2002). E-Business and E-commerce Management. Harlow: Pearson Education Limited.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. doi:10.2307/249008.
Engel, J.F., Blackwell, R.D., Miniard, P.W. (2005). Consumer Behavior 10th Edition. Amerika Serikat: South-Western College Pub.
Fakri, Ahmad. (2016). Pengaruh Online Customer Review Dan Rating Terhadap Kepercayaan Dan Minat Pembelian Pada Online Marketplace Di Indonesia. Surabaya: Institut Teknologi Sepuluh Nopember.
Fearon, C., Philip, G. (1998). Self assessment as a means of measuring strategic and operational benefits from EDI: the development of a conceptual framework. Eur J Inf Syst 7, 5–16. https://doi.org/10.1057/palgrave.ejis.3000287
Ghozali, Imam. 2013. Aplikasi Analisis Multivariate dengan program IBM SPSS 21. Semarang: Badan Penerbit Universitas Diponegoro.
Goyal, Mittal. (2007). Gender influence on shopping enjoyment—an empirical study. Ind. Manage. Stud. J. 11 (2007), 103–116. DOIURL :http://dx.doi.org/10.18843/ijms/v5i3(5)/02
Gunadhi, Novy. (2012). Faktor-Faktor yang Mempengaruhi Impulse Buying pada Carrefour di Surabaya. Surabaya: Institut Teknologi Sepuluh Nopember.
Hanggono, Aditya Arie. Handayani, Siti Ragil. Susilo, Heru. (2015). Analisis Atas Praktek TAM (Technology Acceptance Model) Dalam Mendukung Bisnis Online Dengan Memanfaatkan Jejaring Sosial Instagram. Malang: Universitas Brawijaya.
Harinaldi. (2005). Prinsip-Prinsip Statistik Untuk Teknik dan Sains. Jakarta: Erlangga.
Harmon & Novia. (2016). Faktor Penentu Perilaku Impulsive Buying Pada Fashion Business Di Kota Bandung. Bandung: Politeknik Negeri Bandung.
Hendra, J., & Iskandar R, A. (2016). Aplikasi Model TAM Terhadap Pengguna Layanan Internet Banking di Kantor Bank Jatim Cabang Situbondo. Jurnal Ilmiah Ecobuss, 4(1), 40 - 48. Retrieved from https://ejournal.upm.ac.id/index.php/ecobuss/article/view/203
Hoch, S. J., & Loewenstein, G. F. (1991). Time-Inconsistent Preferences and Consumer Self-Control. Journal of Consumer Research, 17(4), 492. doi:10.1086/208573
Istiarni, P. R. D., & Hadiprajitno, P. B. (2014). Analisis Pengaruh Persepsi Manfaat, Kemudahan Penggunaan Dan Kredibilitas Terhadap Minat Penggunaan Berulang Internet Banking Dengan Sikap Penggunaan Sebagai Variabel Intervening (Studi Empiris: Nasabah Layanan Internet Banking di Indonesia). Diponegoro Journal of Accounting, 3(2), 888-897. Retrieved from https://ejournal3.undip.ac.id/index.php/accounting/article/view/6155
Kotler, P., & Keller, K. L. (2012). Marketing Management. Upper Saddle River, N.J: Pearson Prentice Hall.
Kusnawan, Agus. Silaswarna, Diana. Andy. Tjong, Sefung. (2019). Pengaruh Diskon pada Aplikasi e-Wallet terhadap Pertumbuhan Minat Pembelian Impulsif Konsumen Milenial di Wilayah Tangerang. Tangerang: Universitas Budi Dharma.
Laudon, Kenneth C.&Traver, Carol Guercio. (2014). E-commerce: business, technology, society tenth edition. New Jersey: Pearson Education, Inc.,
Lee, H. (2018). Intrinsic and extrinsic motivations affecting impulse-buying tendency in mobile shopping. Social Behavior and Personality: An International Journal, 46(4), 683–694. doi:10.2224/sbp.6693
Lemeshow, S. & David W.H.Jr, 1997. Besar Sampel dalam Penelitian Kesehatan (terjemahan). Yogyakarta: Gadjahmada University Press.
Listfield, Robert. Montes-Negret, Fernando. (1994). Modernizing payment systems in emerging economies (English). Policy, Research working paper ; no. WPS 1336. Washington, DC: World Bank. http://documents.worldbank.org/curated/en/669981468765043216/Modernizing-payment-systems-in-emerging-economies
Lok, C. K. (2015). Adoption of Smart Card-Based E-Payment System for Retailing in Hong Kong Using an Extended Technology Acceptance Model. Advances in Business Marketing and Purchasing, 255–466. doi:10.1108/s1069-09642015000023b003
Loudon, David L & Della Bitta, Albert J. (1993). Consumer behavior : concepts and applications (4th ed). New York: McGraw-Hill.
Mougayar, W. (1998). Opening Digital Markets. New York: McGraw Hill.
Ngai, E.W.T. & Wat, F.K.T. (2002). A literature review and classification of electronic commerce research, Information and Management, Vol. 39 No. 5, pp. 415-29.
Nisa, Gita Chairun. (2013). Pengaruh Orientasi Belanja Dan Gender Differences Terhadap Pencarian Informasi Online Dan Belanja Online. Jakarta: UIN Syarif Hidayatullah.
Park, H. & Burns, Leslie. (2005). Fashion Orientation, Credit Card Use, and Compulsive Buying. Journal of Consumer Marketing. 22. 135-141. 10.1108/07363760510595959.
Phau, Ian & Woo, Charise. (2008). Understanding compulsive buying tendencies among young Australians : The roles of money attitude and credit card usage. Marketing Intelligence & Planning. 26. 441-458. 10.1108/02634500810894307.
Priyatno, Duwi. (2013). Mandiri Belajar Analisis Data dengan SPSS. Yogyakarta: Mediakom.
Putra, A. A. Ngr Bagus Maha & Kusuma, A. A. G. Agung Artha. (2014). Pengaruh Kecanduan Internet, Daya Tarik Promosi Dan Kepemilikan Kartu Kredit Terhadap Perilaku Pembelian Impulsif Online. Bali: Universitas Udayana.
Ratnasingam, P., & Pavlou, P. A. (2003). Technology Trust in Internet-Based Interorganizational Electronic Commerce. Journal of Electronic Commerce in Organizations (JECO), 1(1), 17-41. doi:10.4018/jeco.2003010102
Rigopoulos, George. (2019). A TAM Framework to Evaluate Users Perception Towards Online Electronic Payments. Greece: Research Associate, School of Electrical & Computer Engineering, National Technical University of Athens.
Rook, D. W. (1987). The Buying Impulse. Journal of Consumer Research, 14(2), 189. doi:10.1086/209105.
Rook, D. W., & Fisher, R. J. (1995). Normative Influences on Impulsive Buying Behavior. Journal of Consumer Research, 22(3), 305. doi:10.1086/209452.
Sedigh, Yalda Danesh. (2013). Development And Validation Of Technology Acceptance Modelling For Evaluating User Acceptance Of An E-Learning Framework. England: The University Of Birmingham.
Sudjana, Nana. (2007). Teknik Analisis Regresi dan Korelasi. Bandung: Tarsito.
Sugiama, A Gima. (2008). Metode Riset Bisnis dan Manajemen. Bandung: CV. Guardaya Intimarta.
Sugiyono. (2013). Metode Penelitian Manajemen Pendidikan Pendekatan Kuantitatif. Bandung: Alfabeta.
Suhartanto, D. (2014). Metode Riset Pemasaran. Bandung: Alfabeta.
Tangke, Natalia. (2004). Analisa Penerimaan Penerapan Teknik Audit Berbantuan Komputer (TABK) Dengan Menggunakan Technology Acceptance Model (TAM) Pada Badan Pemeriksa Keuangan (BPK) RI. Surabaya: Universitas Kristen Petra.
Tarantang, Jefry & Awwaliyah, Annisa & Astuti, Maulidia & Munawaroh, Meidinah. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al-Qardh. 4. 60-75. 10.23971/jaq.v4i1.1442.
Thompson, R.A. (1991). Emotional regulation and emotional development. Educational Psychology Review, 3, 269-307. doi:10.1007/BF01319934
Venkatesh, V., & Morris, M. (2000). Why Don't Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior. MIS Quarterly, 24(1), 115-139. doi:10.2307/3250981
Venkatesh, Viswanath & Davis, Fred. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science. 46. 186-204. 10.1287/mnsc.46.2.186.11926.
Widawati, Lisa. (2011). Analisis Perilaku “Impulse Buying” dan “Locus of Control”pada Konsumen di Carrefour Bandung. Bandung: Universitas Islam Bandung.
Wigand, R. T. (1997). Electronic Commerce: Definition, Theory, and Context. The Information Society, 13(1), 1–16. doi:10.1080/019722497129241.
Zwass, V. (1996). Electronic Commerce: Structures and Issues. International Journal of Electronic Commerce, 1, 3-23. https://doi.org/10.1080/10864415.1996.11518273
Sumber Internet:
Fadila, Annisa. (2020). Pengguna Paylater Naik 14 Kali Lipat. Jakarta: Kontan. https://keuangan.kontan.co.id/news/punya-fitur-paylater-pengguna-gopay-naik-14-kali-lipat diakses pada 10 Juni 2020.
Nabila, Marsya. (2020). Paylater Perusahaan Teknologi Dongkrak Pertumbuhan Kredit Konsumsi. Jakarta: Daily Social. https://dailysocial.id/post/paylater-perusahaan-teknologi-dongkrak-pertumbuhan-kredit-konsumsi diakses pada 10 Juni 2020.
Nayoan, Aldwin. (2019). Apa itu Ecommerce? Kenali Semua Jenis dan Manfaatnya. Jakarta: Niaga hoster. https://www.niagahoster.co.id/blog/apa-itu-ecommerce/ diakses pada 10 Juni 2020.
Quiserto, R. (2019). Paylater – OVO, Gojek, Traveloka – Mana Terbaik Terpercaya. Jakarta: Duwitmu. https://duwitmu.com/pinjaman-online/paylater-ovo-gojek-traveloka-terbaik/amp/ diakses pada 10 Juni 2020.
Setiawan, Rulli. (2020). Aplikasi Paylater Terbaik di Indonesia dan Perkembangannya. Jakarta: Atur Saja. https://www.atursaja.com/609/aplikasi-paylater-terbaik-di-indonesia/ diakses pada 10 Juni 2020.
Wahyuningsih. (2018). Lima Alasan Kenapa Banyak Orang Beralih ke Belanja Online. Jakarta: Cermati. https://www.cermati.com/artikel/5-alasan-kenapa-banyak-orang-beralih-ke-belanja-online diakses pada 10 Juni 2020.
Walfazri, Maizal. (2019). Jumlah Pengguna Naik 10 Kali Lipat, Traveloka Paylater Tingkatkan Keamanan Pengguna. Jakarta: Kontan. https://industri.kontan.co.id/news/jumlah-pengguna-naik-10-kali-lipat-traveloka-paylater-tingkatkan-keamanan-pengguna diakses pada 10 Juni 2020.
Yasmin, Gina Noor Sela Ariella. (2019). Peran Logistik dalam Kemajuan E-Commerce di Indonesia. Jakarta: Artikel Logistrik E-Commerce. https://supplychainindonesia.com/peran-logistik-dalam-kemajuan-e-commerce-indonesia diakses pada 10 Juni 2020