Peran Literasi Keuangan, Literasi Digital, Dan Finansial Self-Efficacy Terhadap Adopsi Aplikasi Buy Now Paylater (BNPL) (Studi Kasus Pengguns Paylater Pada Gen Z Di Indonesia). (2026). Management Studies and Entrepreneurship Journal (MSEJ), 7(4), 629-644. https://doi.org/10.37385/msej.v7i4.10766