Literature Study: Trust in Fashion Purchase Decisions via Paylater Among Accounting Students

Abstract

This study examines the role of trust in influencing fashion purchasing decisions using paylater services among Accounting students at UPN “Veteran” East Java. A literature review of eight articles published between 2024 and 2025 is conducted. Trust is identified as a key determinant in the adoption of digital financial services, as users are more likely to transact when systems are perceived as secure and beneficial. This study further analyzes the influence of perceived security and perceived benefits on trust, particularly among female accounting students. The findings highlight the importance for paylater providers to enhance service quality, strengthen digital security, and deliver relevant innovations to meet market demands.