Pengaruh Kemudahan Akses PayLater Terhadap Perilaku Konsumtif Mahasiswa Pada Era Transaksi Digital. Annusfy : Journal of Multidisciplinary Research, [S. l.], v. 1, n. 8, p. 722–732, 2026. DOI: 10.65065/d8b4fe48. Disponível em: https://ojs.jaanur.com/index.php/khuzroh/article/view/211. Acesso em: 5 jun. 2026.