Yeterina Widi Nugrahanti, Maria Rio Rita, Mitha Dwi Restuti, and Andrew T. Thren. 2024. “PAYLATER USAGE BEHAVIOR AMONG UNIVERSITY STUDENTS: A MODIFICATION OF THE THEORY OF PLANNED BEHAVIOR”. International Journal Of Management And Economics Fundamental 4 (12):15-37. https://doi.org/10.37547/ijmef/Volume04Issue12-03.