ANGGRAINI, Asterina; WARDHANI, Annisa; FARHANI, Nuraeni Hadiati. INTEGRATING FINANCIAL LITERACY INTO GEN Z’S PAYLATER CONSUMPTION AND FINANCIAL WELL-BEING: A CONCEPTUAL PAPER. International Journal of Economics, Business and Accounting Research (IJEBAR), [S. l.], v. 10, n. 2, 2026. DOI: 10.29040/ijebar.v10i2.19925. Disponível em: https://jurnal.stie-aas.ac.id/index.php/IJEBAR/article/view/19925. Acesso em: 5 jun. 2026.