Aprianto, Jimmy Daniel, and Baruna Hadibrata. “The Effect of Benefits, Convenience, Risk, Income on Purchase Decisions Using Shopee Paylater”. Dinasti International Journal of Management Science 4, no. 4 (March 31, 2023): 793–802. Accessed November 10, 2026. https://dinastipub.org/DIJMS/article/view/1658.