Ramdhani, M.R., Kurniawan, R. and Wahjono, S.I. 2025. Peran Fintech, Literasi Keuangan, dan Sikap Individu terhadap Penggunaan GoPay Later di Kalangan Ibu Rumah Tangga. Journal of Innovative and Creativity. 5, 2 (May 2025), 3543–3558. DOI:https://doi.org/10.31004/joecy.v5i2.575.