Zulfa R. Perkembangan Penelitian Paylater di Indonesia dalam Perspektif Psikologi. ikraith-humaniora [Internet]. 2025Nov.30 [cited 2026Jun.25];9(3):2113-28. Available from: https://journals.upi-yai.ac.id/index.php/ikraith-humaniora/article/view/6333