Desvita Mahanani, Andestia, Deva Alifia Nauli, and Juanh Alvaro Sihombing. “Dampak Literasi Keuangan Dan Financial Experience Generasi Z Terhadap Penggunaan PayLater Di E-Commerce”. PENG: Jurnal Ekonomi dan Manajemen 2, no. 1b (December 18, 2024): 1955–1963. Accessed September 6, 2025. https://teewanjournal.com/index.php/peng/article/view/1203.