CRISTINA, Cristina; SARAGIH, Fry Melda. Digital Financial Literacy, Consumptive Behavior, and Behavioral Intention in Using SPayLater in Indonesia. International Journal of Management Science and Information Technology, [S. l.], v. 6, n. 1, p. 835–842, 2026. DOI: 10.35870/ijmsit.v6i1.7026. Disponível em: https://journal.lembagakita.com/ijmsit/article/view/7026. Acesso em: 11 jun. 2026.