This research seeks to ascertain the effect of financial technology and financial literacy on risky credit behavior in Paylater users with self-control as a mediating variable. The research was conducted on generation z and millennials with an age range of 18 to 35 years who are currently or have used Paylater. This study uses a quantitative approach with a causal associative type of research, and involves 150 people as a research sample. Data were collected through an online questionnaire and analyzed using PLS-SEM. The results showed that financial technology and financial literacy have a significant effect on risky credit behavior. In addition, self-control is a mediating variable that strengthens the relationship between financial technology and risky credit behavior. This highlights the importance of financial literacy and self-control in reducing risky credit behavior arising from the use of Fintech services such as Paylater. The need for good financial understanding and strong self- control in order not to get trapped in risky credit behavior. Service provider companies and financial institutions should actively provide financial education and offer spending control features, such as credit alerts, installment simulations, and clear cost information.