D. Rhamadan, N. Susanti, and D. Dennis, “The Influence Of Digital Financial Literacy And Consumptive Lifestyle On The Decision To Use Shopee Paylater Among Gen Z Students (Case Study On Management Students At Dehasen University, Bengkulu)”, J. Law Soc. Sci. Manag. Rev., vol. 2, no. 1, pp. 1–8, Nov. 2025.