Innovation in fintech lending applications, can increase impulsive buying?
Designing a research model based on a literature review
Keywords:
Technology Acceptance Model (TAM), Impulsive Buying, Live Streaming, E-Wom, Government Impact
Abstract
Fintech lending applications is currently growing very rapidly, and shows a fairly high risk of default, especially among millennials. Based on these conditions, it is necessary to carry out research related to designing research models that answer research problems related to increasing the use of fintech lending applications among millennials. This research is qualitative using a systematic review theory approach. The data used are research articles that are relevant to the topics discussed by researchers with a total of 50 articles from various research journals. The results of the research recommend a research model with technology acceptance model variables, promotional programs in the form of live streaming promotions and discounts, e-WOM, service reliability, family influence and government influence.
References
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Dewi, M. A. A., Nurrohmah, I., Sahadi, N., Sensuse, D. I., & Noprison, H. (2017). Analysing the critical factors influencing consumers’ e-impulse buying behavior. 2017 International Conference on Advanced Computer Science and Information Systems, ICACSIS 2017, 0, 81–91. https://doi.org/10.1109/ICACSIS.2017.8355016
Dharta, F. Y., Prasetyo, H., & Dema, Y. (2021). Influence of attitude on online impulse buying: perspective on marketing communication. Jurnal Studi Komunikasi (Indonesian Journal of Communications Studies), 5(3), 729–745. https://doi.org/10.25139/jsk.v5i3.4138
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Fataron, Z. A. (2020). Online Impulse Buying Behaviour: Case Study On Users Of Tokopedia. Journal of Digital Marketing and Halal Industry, 1(1), 47–61. https://doi.org/10.21580/jdmhi.2019.1.1.4762
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Gupta, A. Das, & Kumar, H. (2022). Factors Influencing Impulse Buying Behavior. International Journal of Orthopaedics Research, 5(2), 73–82.
Harja, R. P., & Widiati, E. P. (2021). Penyelesaian Pinjaman Bermasalah dalam Perusahaan Teknologi Finansial di Indonesia. Media Iuris, 4(3), 436–456. https://doi.org/10.20473/mi.v4i3.25163
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Huo, C., Wang, X., Sadiq, M. W., & Pang, M. (2023). Exploring Factors Affecting Consumer’s Impulse Buying Behavior in Live-Streaming Shopping: An Interactive Research Based Upon SOR Model. SAGE Open, 13(2), 1–15. https://doi.org/10.1177/21582440231172678
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Bhuvaneswari, V., Studies, M., Joseph, S., & Engineering, C. (2015). A Study on the Impact of Demographic Factors On Impulse Buying Behaviour of Consumers in Chennai City Head of the Department , Department of Business Administration. Indian Journal of Research, 4(11), 37–39. https://journals.indexcopernicus.com/api/file/viewByFileId/627403.pdf
Bilal Ahmad, M., Fawad Ali, H., Sabir Malik, M., Humayun, A. A., & Ahmad, S. (2019). Factors Affecting Impulsive Buying Behavior with Mediating role of Positive Mood: An Empirical Study. European Online Journal of Natural and Social Sciences, 8(1), 17–35. http://www.european-science.com
Borromeo, E. A., Cai, G. A. C., & Jr, A. E. E. (2022). Factors Affecting Impulse Purchasing of Filipino Consumers in Convenience Stores. International Journal of Social and Management Studies (Ijosmas), 3(2), 92–104. https://doi.org/10.5555/ijosmas.v3i2.121
Chen, Y.-F., & Wang, R.-Y. (2016). Perceived trustworthiness of online shops. Journal of Consumer Behaviour, 0(0), 186–197. https://doi.org/10.1002/cb
Choirul, A., & Artanti, Y. (2019). Millennials’s Impulse Buying Behaviour: Why Positive Emotion Does not Mediate? Journal of Economics, Business & Accountancy Ventura, 22(2), 223–236. https://doi.org/10.14414/jebav.v22i2.1738
Cuandra, F., & Kelvin, K. (2021). Analysis of influence of materialism on impulsive buying and compulsive buying with credit card use as mediation variable. Jurnal Manajemen, 13(1), 7–16. https://journal.feb.unmul.ac.id/ index.php/JURNALMANAJEMEN/article/view/8548
D.W.A., G., & R.K.H.S., W. (2022). Impact of In-Store Atmosphere and Personal Factors on Consumer Impulse Buying Behavior in Supermarket. Proceedings of the 12th International Conference on Business & Information (ICBI 2021), 1388–1405. https://doi.org/10.2139/ssrn.4122193
Dewi, M. A. A., Nurrohmah, I., Sahadi, N., Sensuse, D. I., & Noprison, H. (2017). Analysing the critical factors influencing consumers’ e-impulse buying behavior. 2017 International Conference on Advanced Computer Science and Information Systems, ICACSIS 2017, 0, 81–91. https://doi.org/10.1109/ICACSIS.2017.8355016
Dharta, F. Y., Prasetyo, H., & Dema, Y. (2021). Influence of attitude on online impulse buying: perspective on marketing communication. Jurnal Studi Komunikasi (Indonesian Journal of Communications Studies), 5(3), 729–745. https://doi.org/10.25139/jsk.v5i3.4138
Divya, M. (2023). A Literature Review : Factors Influencing Impulse Buying Behavior. International Research Journal of Modernization in Engineering Technology and Science, 5(07), 1841–1846. www.irjmets.com
Farid, D. S., & Ali, M. (2018). Effects of Personality on Impulsive Buying Behavior: Evidence from a Developing Country. Marketing and Branding Research, 5(1), 31–43. https://doi.org/10.33844/mbr.2018.60197
Fataron, Z. A. (2020). Online Impulse Buying Behaviour: Case Study On Users Of Tokopedia. Journal of Digital Marketing and Halal Industry, 1(1), 47–61. https://doi.org/10.21580/jdmhi.2019.1.1.4762
Febrilia, I., & Warokka, A. (2021). Consumer traits and situational factors: Exploring the consumer’s online impulse buying in the pandemic time. Social Sciences and Humanities Open, 4(1), 1–8. https://doi.org/10.1016/j.ssaho.2021.100182
Gupta, A. Das, & Kumar, H. (2022). Factors Influencing Impulse Buying Behavior. International Journal of Orthopaedics Research, 5(2), 73–82.
Harja, R. P., & Widiati, E. P. (2021). Penyelesaian Pinjaman Bermasalah dalam Perusahaan Teknologi Finansial di Indonesia. Media Iuris, 4(3), 436–456. https://doi.org/10.20473/mi.v4i3.25163
Hashmi, H., Attiq, S., & Rasheed, F. (2019). Factors affecting online impulsive buying behavior: A stimulus organism response model approach. Market Forces, 14(1), 19–42. https://kiet.edu.pk/marketforces/index.php/marketforces/article/view/392
Huo, C., Wang, X., Sadiq, M. W., & Pang, M. (2023). Exploring Factors Affecting Consumer’s Impulse Buying Behavior in Live-Streaming Shopping: An Interactive Research Based Upon SOR Model. SAGE Open, 13(2), 1–15. https://doi.org/10.1177/21582440231172678
Husnain, M., Rehman, B., Syed, F., & Akhtar, M. W. (2019). Personal and In-store Factors Influencing Impulse Buying Behavior among Generation Y Consumers of Small Cities. Business Perspectives and Research, 7(1), 92–107. https://doi.org/10.1177/2278533718800625
Kant Pal, S., Rao Aderla, N., Rahaman, M., Saadiq Ali, S., Divya, H., & Naga Saroj Bandi, G. (2021). Factors Affecting Impulse Buying on Online Shopping amongst Youth: A Structural Equation Modeling Approach. Turkish Journal of Computer and Mathematics Education, 12(9), 2149–2157.
Khairunnisa, R., Bangsawan, S., & Ms, M. (2022). The Effect of Consumer Traits and Situational Factors on Impulsive Buying: A Gender Perspective in Indonesian E-Commerce Users During the COVID-19 Pandemic. International Journal of Business and Management Invention (IJBMI), 11(6), 41–51. https://doi.org/10.35629/8028-1106024151www.ijbmi.org
Kitchenham, B. (2004). Procedures for Performing Systematic Reviews. Keele University Technical Report TR/SE-0401, 79–83. http://www.inf.ufsc.br/~aldo.vw/kitchenham.pdf
Kristi, G. O., Tumpal, D., & Aruan, H. (2023). Factors Affecting Online Impulse Buying Behavior of Fashion Products on Live: Instagram Vs Tiktok. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 6(3), 2163–2185. https://doi.org/10.31538/iijse.v6i3.3157
Lee, C. H., Chen, C. W., Huang, S. F., Chang, Y. T., & Demirci, S. (2021). Exploring consumers’ impulse buying behavior on online apparel websites: An empirical investigation on consumer perceptions. International Journal of Electronic Commerce Studies, 12(1), 83–106. https://doi.org/10.7903/ijecs.1971
Lestari, H., & Ansori, M. (2023). Factors Affecting Students of the Accounting, Managerial Accounting and Business Administration Study Program of the Batam State Polytechnic Doing Impulsive Buying at Shopee E-Commerce During the Covid-19 Pandemic. International Conference on Applied Economics and Social Science, ICAESS 2022, 1–15. https://doi.org/10.4108/eai.5-10-2022.2325899
Mabkhoot, H., Almutairi, E., Alhajri, R., Maqsood, M., AboAlsmh, H. ., Alsedrah, I. ., & Afridi, Z. (2023). Impulsive Buying Behavior Of Enterprises Towards Costumers. Academy of Strategic Management Journal, 22(3), 1–13. https://www.abacademies.org/articles/Impulsive-buying-behavior-of-enterprises-towards-costumers-1939-6104-22-S3-003.pdf
Masouleh, S. E., Pazhang, M., & Moradi, J. S. (2012). What is Impulse Buying? An analytical network processing framework for prioritizing factors affecting impulse buying. Management Science Letters, 2(4), 1053–1064. https://doi.org/10.5267/j.msl.2012.03.016
Nashihah, S. (2020). The Influence Of Personal Factors And In Store Factors Toward Impulse Buying Behavior To Urge To Buy Impulsively At Sephora Pakuwon Mall Surabaya. Jurnal Ilmiah Mahasiswa FEB, 8(2), 282. https://jimfeb.ub.ac.id/index.php/jimfeb/issue/view/25
Neves, J. A., Redda, E. H., De Klerk, N., & De Klerk, N. (2018). External Factors Influencing the Cognitive Response of Impulse Buying Behaviour amongst Generation Y Students. Journal of Economics and Behavioral Studies, 10(5(J)), 264–273. https://doi.org/10.22610/jebs.v10i5(j).2515
Newton, S. (2016). A Study on Factors Affecting Impulse Buying Behavior of Consumers in the Super Market Special Reference to Food City, Sri Lanka. 5th Annual International Research Conference-SEUSL, 370–378. http://ir.lib.seu.ac.lk/handle/123456789/1925
Nurmila, N., Sulhaini, S., & Saufi, A. (2021). The Need for Uniqueness’s Impact Analysis on Impulsive Buying of Online Fashion Product with Prices as Intervening Variable. International Journal of Multicultural and Multireligious Understanding, 8(12), 451–465. https://doi.org/10.18415/ijmmu.v8i12.3151
Ozdemir, E., & Akcay, G. (2019). The Effect of Gender Identity on Consumers Impulse Buying Behavior and the Moderating Role of Biological Sex. Business and Economics Research Journal, 10(5), 1109–1125. https://doi.org/10.20409/berj.2019.218
Pallikkara, V., Pinto, P., Hawaldar, I. T., & Pinto, S. (2021). Impulse buying behaviour at the retail checkout: An investigation of select antecedents. Business: Theory and Practice, 22(1), 69–79. https://doi.org/10.3846/btp.2021.12711
Prakoso, J. P. (2023). Generasi Z dan milenial dominasi kredit macet fintech lending. Bisnis Indonesia. https://bisnisindonesia.id/article/generasi-z-dan-milenial-dominasi-kredit-macet-fintech-lending
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Published
2025-04-20
How to Cite
Yuwono, W., Juviyanty, & Nainggolan, F. (2025). Innovation in fintech lending applications, can increase impulsive buying? Designing a research model based on a literature review. International Journal of Business and Quality Research, 3(02), 35-50. https://doi.org/10.63922/ijbqr.v3i02.1712
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