SALSABILA HASANI; MUHAMMAD RICHO RIANTO; ADLER HAYMANS MANURUNG; JHONNI SINAGA. PENGARUH FAKTOR KEUANGAN DAN NON KEUANGAN TERHADAP KEPUTUSAN PENGGUNAAN PAY LATER DI KOTA BEKASI UTARA. IJESM Indonesian Journal of Economics and Strategic Management, [S. l.], v. 3, n. 1, 2025. DOI: 10.69718/ijesm.v3i1.394. Disponível em: https://journal.drafpublisher.com/ijesm/article/view/394. Acesso em: 22 oct. 2026.