Kusuma, A. M. I. W. ., Primananda, P. G. B. N. ., Bharata , I. M. A. P. ., & Pratiwi , K. W. . (2026). Layanan “Buy Now Pay Later” Pada Konsumen Millenial Di Kota Denpasar. Journal of Innovative and Creativity, 6(1), 1576–1583. https://doi.org/10.31004/joecy.v6i1.6957