Yuliyana, H. and Soma, A.M. 2026. The Influence of Digital Financial Services, Social Media, and Buy Now Pay Later on Over-Indebtedness with Financial Literacy as a Moderating Variable. International Journal of Management Science and Information Technology. 6, 2 (Jul. 2026), 1261–1272. DOI:https://doi.org/10.35870/ijmsit.v6i2.7748.