YULIYANA, Helma; SOMA, Abdul Mukti. 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, [S. l.], v. 6, n. 2, p. 1261–1272, 2026. DOI: 10.35870/ijmsit.v6i2.7748. Disponível em: https://journal.lembagakita.com/ijmsit/article/view/7748. Acesso em: 23 jul. 2026.