Pratiwi, W. and Ariffin, M. 2025. 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, 2 (Mar. 2025), 647–664. DOI:https://doi.org/10.37385/ijedr.v6i2.6974.