“SYSTEMATIC LITERATURE REVIEW: DAMPAK KESENJANGAN LITERASI DAN INKLUSI KEUANGAN TERHADAP PERILAKU KONSUMTIF PENGGUNA LAYANAN PAY LATER”. Indo-Fintech Intellectuals: Journal of Economics and Business, vol. 5, no. 2, June 2025, pp. 5039-52, https://doi.org/10.54373/ifijeb.v5i2.2983.