EXAMINING THE EFFECTS OF FINANCIAL PLANNING, INCOME, AND LIFESTYLE ON CONSUMER ADOPTION OF PAYLATER SERVICES. JEMMA (Journal of Economic, Management and Accounting), [S. l.], v. 9, n. 1, p. 34–41, 2026. DOI: 10.35914/3559. Disponível em: https://ojs.unanda.ac.id/jemma/article/view/3559. Acesso em: 3 nov. 2026.