CAHYANA, A. R.; ISTIONO, I. Analisis Pengaruh Literasi Keuangan Digital, Motivasi Keuangan, dan Uang Saku Terhadap Penggunaan Buy Now Pay Later Pada Mahasiswa Generasi Z di Universitas 17 Agustus 1945 Surabaya. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 4, p. 7589–7600, 2025. DOI: 10.31004/riggs.v4i4.4557. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/4557. Acesso em: 31 jan. 2026.