Yeterina Widi Nugrahanti, Maria Rio Rita, Mitha Dwi Restuti, and Andrew T. Thren. “PAYLATER USAGE BEHAVIOR AMONG UNIVERSITY STUDENTS: A MODIFICATION OF THE THEORY OF PLANNED BEHAVIOR”. International Journal Of Management And Economics Fundamental, vol. 4, no. 12, Dec. 2024, pp. 15-37, doi:10.37547/ijmef/Volume04Issue12-03.