This study addressed the Buy Now, Pay Later: Shopee Online Store Users Experiences on Shopee Pay Later Feature (Spay Later). The research investigated the users’ experiences using the Spay Later feature, specifically user satisfaction, convenience, financial behavior, and challenges faced. While some of the studies explored only the positive and negative impacts of the feature, there are gaps that the other studies have not identified. This study addressed the overall experience of Spay Later users, an area not fully (...) covered in previous studies. It utilized a phenomenological study approach under a qualitative method. The participants of the study were chosen through a judgmental sampling approach, consisting of ten (10) spay later user with five thousand (5,000) pesos credit limit and a gold/platinum level. Furthermore, the researchers conducted semi-structured interviews with open-ended questions. The results indicated that the Spay Later feature is flexible and convenient. In conclusion, the Spay Later feature positively impacted the users’ experiences, it helped the users to access their needs during financial constraints and improve their budgeting skills. This study suggests to the existing and future users to moderately use the feature and apply the decision-making process effectively in every transaction. (shrink)

The outbreak of the Covid-19 pandemic leads to e-commerce’s explosive growth with brands such as Shopee, Lazada, Tiki, Sendo and The Gioi Di Dong, etc. Since then, e-commerce activities have been going into practice in the life of every Vietnamese person and are constantly developing. The article presents the current situation of the e-commerce industry in recent years through discussion to analyze, evaluate and have a broader perspective on the development of e-commerce, thereby offering some development policies.

This chapter lays out a case that with the proper perspective on the place of epistemology within normative inquiry more generally, it is possible to appreciate what was on the right track about some of the early approaches to the analysis of knowledge, and to improve on the obvious failures which led them to be rejected. Drawing on more general principles about reasons, their weight, and their relationship to justification, it offers answers to problems about defeat and the conditional fallacy (...) that plagued early defeasibility analyses of knowledge and offers a sketch of a contemporary alternative that is motivated by the idea that knowledge requires the right kind of “match” between objective and subjective factors. (shrink)