The Effect of E-Service Quality and Perceived Risk on Purchase Decisions Using the PayLater Payment Method

The PayLater feature has become a more convenient and straightforward alternative to digital credit payments. However, the growth of these credit card service users is typically unstable and occasionally begins to decline. Multiple types of complex requirements are believed to make it difficult for users to comply. This current research is intended to investigate the effect of service quality and perceived risk using the PayLater payment method on purchase decisions for e-commerce services, as well as the impact of e-service quality and perceived risk on purchase decisions using the PayLater payment method among people in West Java. This research employs a descriptive quantitative approach, non-probability sampling by purposive sampling using Multiple Linear Regression Analysis. In order to collect data, a questionnaire was distributed online via Google Form to as many as 30 social media users in West Java. All data processing in this study was performed using Microsoft Excel 2013 and SPSS 26 software for Windows. The results of hypothesis testing previously described indicate that the e-service quality variable has a constructive and substantial effect on purchase decisions using the PayLater payment method. However, the study’s second hypothesis is refused because the perceived risk variable has no constructive and substantial effect on purchase decisions using the PayLater payment method. Based on the results of testing both hypotheses simultaneously, e-service quality and perceived risk have a substantial effect on purchase decisions taken with the PayLater payment method.