RAMDHANI, M. R.; KURNIAWAN, R.; WAHJONO, S. I. Peran Fintech, Literasi Keuangan, dan Sikap Individu terhadap Penggunaan GoPay Later di Kalangan Ibu Rumah Tangga. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 3543–3558, 2025. DOI: 10.31004/joecy.v5i2.575. Disponível em: https://joecy.org/index.php/joecy/article/view/575. Acesso em: 17 oct. 2026.