SHOLIKAH, M.; SAFITRI, A. Buy Now, Worry Later? Analisis Motivasi dan Preferensi Pengguna Pay later terhadap Consumer Spending Decision. Jurnal Ilmiah Raflesia Akuntansi, [S. l.], v. 11, n. 1, p. 457–464, 2025. DOI: 10.53494/jira.v11i1.881. Disponível em: http://ejournal.polraf.ac.id/index.php/JIRA/article/view/881. Acesso em: 31 des. 2025.