Paylater Analysis In Islamic Economic Financial Management

Economic activities in the digital era are growing rapidly, the e-commerce industry is experiencing extraordinary development. With the increasing number and variety of social media, there is a shift in people's consumption patterns such as how to meet consumption needs, how to shop online and offline, how to pay with cash or credit, and especially how to manage finances. Payment methods are increasingly developing with the use of cashless such as the use of M-banking, Qris, and currently developing online credit payments, namely paylater. Paylater is a service that allows users to make online purchases with financing that can be paid within a certain period of time, a fundamental question arises in connection with the use of this product (Fadhila et al., 2023). Paylater is currently available on many platforms such as Tokopedia, Shopee, Traveloka, Bukalapak, Kredivo, Akulaku, Goek, etc. An intensified marketing strategy invites consumers to have a consumptive pattern.