G. A. Putri and T. Rimenda, “Why do Consumers Regret Using Paylater Services? The Influence of Impulsive Buying and Unplanned Buying”, Int. J. Manag. Sci. Inf. Technol., vol. 6, no. 2, pp. 2200–2208, Aug. 2026, doi: 10.35870/ijmsit.v6i2.8028.