Novarianty, T. A., A. M. . Hidayat, and B. R. . Kartawinata. “The Effect of the Use of Paylater Services on Consumption Patterns Mediated by Personal Money Management in Generation Z With Socioeconomic Factors As Control Variables”. Asian Journal of Management Analytics, vol. 4, no. 3, July 2025, pp. 819-36, doi:10.55927/ajma.v4i3.14762.