Cristina C, Saragih FM. Digital Financial Literacy, Consumptive Behavior, and Behavioral Intention in Using SPayLater in Indonesia. Int. J. Manag. Sci. Inf. Technol. [Internet]. 2026 Jun. 10 [cited 2026 Jun. 11];6(1):835-42. Available from: https://journal.lembagakita.com/ijmsit/article/view/7026