Sunarto MS, Raharjo L. The influence of consumptive behavior, transaction convenience, and promotions on the decision of ukts students in using spaylater. ProBisnis [Internet]. 2024 Apr. 30 [cited 2026 May 9];15(2):184-8. Available from: https://www.ejournal.joninstitute.org/index.php/ProBisnis/article/view/486