Widiastuti, C. Tri, and Efriyani Sumastuti. “Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits”. Indonesian Journal of Business and Entrepreneurship, vol. 11, no. 2, May 2025, p. 479, https://doi.org/10.17358/ijbe.11.2.479.