The Traveloka Pay Later card's dispatch afterwards in September 2019 by Traveloka collaborates with Bank BRI to move forward with computerized instalment administrations. The final computerized instalment benefit anticipates extending the number of individuals to reach 5 million by 2025, considering that BRI is the bank with the foremost broad arrange. It is curiously to know Traveloka customers' conduct to switch for the unused item. An investigation study was conducted in Jakarta in Walk 2020. This thinks about employments a push-pull-mooring (PPM) system to appear the Traveloka client exchanging conduct determinants from pay later to pay later card.  SEM conducted on data from 1117 workers using pay later card in Jakarta province.  HCM was used to prove the impact of second-order variables on switching intention.  This study shows that only pull variables in the second-order cause switching intention from pay later to pay later card.  Even though the aesthetic design explains the push effect, Inertia and perceived substitutability caused a mooring effect, but those cannot explain the switching intention.  Only pull-effect as a latent variable of economic benefit, convenience for a transaction, gamification, and locatability cause switching intention significantly. For future research, comparing four types of HCM are essentials to select suitable ones.