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Adie Kurbani

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Open access Sep 2026

THE EFFECT OF CONVENIENCE, PROMOTION, AND RISK PERCEPTION ON INTEREST IN USING KREDIVO ON SHOPEE

The rising use of digital financial services specifically the "buy now, pay later" service Kredivo on the Shopee platform reflects a shift in the transaction behavior of university students. Ease of use, promotions, and perceived risk are hypothesized to influence the intention to use this service, though the specific...

Nasrul Nuryamin, Adie Kurbani, M. Najib · 0 citations

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