Lestari, Nurdiah Ririn, et al. “The Influence of Shopee Pay Later Usage on the Consumptive Behavior of FKIP Students at Universitas Muhammadiyah Bengkulu”. Journal of Multidisciplinary Research, vol. 1, no. 4, July 2025, pp. 181-8, doi:10.70963/jmr.v1i4.241.