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 11, no. 2 (May 31, 2025): 479. Accessed December 24, 2025. https://journal.ipb.ac.id/ijbe/article/view/60624.