Salsabila Hasani, Muhammad Richo Rianto, Adler Haymans Manurung and Jhonni Sinaga 2025. PENGARUH FAKTOR KEUANGAN DAN NON KEUANGAN TERHADAP KEPUTUSAN PENGGUNAAN PAY LATER DI KOTA BEKASI UTARA. IJESM Indonesian Journal of Economics and Strategic Management. 3, 1 (Mar. 2025). DOI:https://doi.org/10.69718/ijesm.v3i1.394.