Darmadi, Darmadi, Bagus Nurcahyo, Aji Sukarno, Hadir Hudiyanto, Martani Martani, Vely Randyantini, and Ika Saputri. “Keputusan Pembelian Pada Layanan PayLater: Peran Persepsi Kemudahan, Persepsi Risiko, Dan Kepercayaan”. Journal of Business and Economics Research (JBE) 7, no. 2 (June 25, 2026): 428-437. Accessed July 8, 2026. https://ejurnal.seminar-id.com/index.php/jbe/article/view/10211.