Razak, M., P. N. Sari, and E. Meidasari. “The Influence of Financial Literacy, Impulsive Buying, and Lifestyle on the Use of Shopee PayLater”. Jurnal Relevansi : Ekonomi, Manajemen Dan Bisnis, vol. 10, no. 5, Oct. 2026, pp. 1143-59, doi:10.61401/relevansi.v10i5.573.