MS, Nur Rahmi Elza; NAYLA, Ananda; SILITONGA, Daisya Salsabila; FAJRI, Laila; SAHLA, Hilmiatus. Eksplorasi Kualitatif Motif Penggunaan Fitur Paylater Pada Mahasiswa: Antara Kebutuhan Dan Gaya Hidup Konsumtif . Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 4, n. 2, p. 2968–2974, 2026. DOI: 10.69693/ijmst.v4i2.10719. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/10719. Acesso em: 26 jun. 2026.