SYSTEMATIC LITERATURE REVIEW: DAMPAK KESENJANGAN LITERASI DAN INKLUSI KEUANGAN TERHADAP PERILAKU KONSUMTIF PENGGUNA LAYANAN PAY LATER. Indo-Fintech Intellectuals: Journal of Economics and Business, [S. l.], v. 5, n. 2, p. 5039–5052, 2025. DOI: 10.54373/ifijeb.v5i2.2983. Disponível em: https://ejournal.indo-intellectual.id/index.php/ifi/article/view/2983. Acesso em: 12 aug. 2026.