Intantri, Cella Nur, and Fitri Santi. “Financial Well-Being: Indications on Buy Now Pay Later Users in Indonesia”. Jurnal Doktor Manajemen (JDM) 8, no. 2 (September 3, 2025): 127–139. Accessed June 2, 2026. https://publikasi.mercubuana.ac.id/index.php/jdm/article/view/34205.