Abstract:
This study is aimed to find out the factors that affect the intention to adopt the Buy Now Pay Later
(BNPL)ServicesinTrincomaleeDistrict.Thestudyexaminesfivemajorindependentvariables
such as perceived usefulness (PU), perceived ease of use (PEOU)' perceived risk (PR)' social
influence (SI), and financial literacy (FL) by referring to TAM and uTAUT theory' A thorough
examination of these variables leads to the assessment of the dependent variable' which is the
intention to embrace BNPL services'
The target population includes individuals aged 18 and older, including BNPL users' Data was
collected from 80 respondents across the Trincomalee District using online Google Forms
(structured questionnaire). The study utilized the sampling frame and adopted a quantitative
research approach. SPSS soffwafe was used to assess data reliability and accuracy and to explore
the relationships befween the dependent and independent variables' various analyses were
conducted, including a pilot test, Cronbach's Alpha, Pearson Correlation Analysis' and Multiple
Regression Analysis. The results indicated that perceived ease of use and social influence have a
significant positive relationship with the intention to adopt BNPL services in the Trincomalee
District. conversely, financial literacy, perceived usefulness, and perceived risk showed an
insignilrcantpositiverelationshipwiththeintentionl'uadoptBNPL.
The study also discusses the implications, limitations, and provides recommendations for
researchers to address the current state of BNPL services and consumer behavior towards BNPL
in Trincomalee District.
Keywords: perceived usefulness (P(I), perceived egse of use (PE0U), perceived risk (PR)'
social influence (SI), Jinsncial literacy (FL) and Adopt BNPL Service'
