Categorization of Financial Literacy Messages in the Series “Pay Later” on Netflix

Abstract

The increasing use of pay later services in today’s digital era, especially among Generation Z, encourages a more consumerist lifestyle that may lead to financial problems. To reduce these risks, financial literacy should go together with financial inclusion. This research aims to explore how financial literacy messages are delivered through the Netflix series “Pay Later”. The study uses a qualitative content analysis method to identify and categorize financial messages into four main areas: knowledge, skills, attitudes, and behavior. The results show that the series highlights the importance of understanding the cost of borrowing and earning money (skills), as well as caring about the well-being of others (attitudes). These messages reflect the reality faced by Generation Z today. Through scenes, dialogues, and the character development of Tika, the series shows a journey from a consumptive lifestyle to more responsible financial behavior. With a mix of drama, comedy, and romance, “Pay Later” presents financial topics in a light but meaningful way. Digital platforms like Netflix help deliver financial literacy messages more effectively to a wider and more flexible audience.