“EXAMINING THE EFFECTS OF FINANCIAL PLANNING, INCOME, AND LIFESTYLE ON CONSUMER ADOPTION OF PAYLATER SERVICES”. JEMMA (Journal of Economic, Management and Accounting) 9, no. 1 (June 3, 2026): 34–41. Accessed November 3, 2026. https://ojs.unanda.ac.id/jemma/article/view/3559.