Kusuma, A.A Made Indra Wijaya, Pande Gde Bagus Naya Primananda, I Made Arya Putra Bharata, and Ketut Winda Pratiwi. 2026. “Layanan ‘Buy Now Pay Later’ Pada Konsumen Millenial Di Kota Denpasar”. Journal of Innovative and Creativity 6 (1):1576-83. https://doi.org/10.31004/joecy.v6i1.6957.