Kholifah, Alif Nur, Nafiisa Amelia Rahmah, and Syakila Deliwarna. 2026. “Analisis Pengaruh Buy Now Pay Later Terhadap Pengelolaan Keuangan Mahasiswa Di Era Digital 2026”. RIGGS: Journal of Artificial Intelligence and Digital Business 5 (2):2306-16. https://doi.org/10.31004/riggs.v5i2.8751.