OCTAVIANA, Fany; DEWI, Farida Ratna; HIDAYATI, Nurul. Financial Literacy, Risk Perception, and Paylater Adoption: A TPB Analysis. Jurnal Aplikasi Bisnis dan Manajemen, [S. l.], v. 10, n. 2, p. 491, 2024. DOI: 10.17358/jabm.10.2.491. Disponível em: https://journal.ipb.ac.id/jabm/article/view/51090. Acesso em: 25 dec. 2025.