PRATIWI, W.; ARIFFIN, M. 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), [S. l.], v. 6, n. 2, p. 647–664, 2025. DOI: 10.37385/ijedr.v6i2.6974. Disponível em: https://yrpipku.com/journal/index.php/ijedr/article/view/6974. Acesso em: 6 jul. 2025.