Pratika, Yeyen. “UTAUT Model: Identifying the Driving Factors of the Intention to Use Paylater”. Jurnal Bisnis dan Manajemen 8, no. 2 (November 30, 2021): 345–352. Accessed April 3, 2025. https://jurnal.unmer.ac.id/index.php/jbm/article/view/6306.