“The Role of Financial Literacy and Financial Technology on the Decision to Use Pay Later Moderated by Hedonism Lifestyle ”. International Journal of Economics Development Research (IJEDR) 6, no. 2 (March 6, 2025): 647–664. Accessed May 13, 2026. https://journal.yrpipku.com/index.php/ijedr/article/view/6974.