Setiawati, D. E., & Alam, I. A. (2024). The Effect of Income and Financial Literacy on the Consumptive Behavior of Shopee Paylater Users in Generation Z in Bandar Lampung City. International Journal Of Education, Social Studies, And Management (IJESSM), 3(3), 84–95. https://doi.org/10.52121/ijessm.v3i3.198