“Literasi Keuangan, Manfaat Paylater, Dan Locus of Control: Studi Perilaku Penggunaan Shopee Paylater Di Kota Jambi”. Jurnal Simki Economic 8, no. 2 (July 17, 2025): 618–628. Accessed February 27, 2026. https://jurnal.unpkediri.ac.id/index.php/JSE/article/view/1368.