Yahya MR, Liestyowati L, Majid J, Nurchayati N, Mulastih LS. THE INFLUENCE OF DIGITAL LITERACY AND FINANCIAL SELF EFFICACY ON RISKY CREDIT BEHAVIOR IN USING SHOPEE PAY LATER. JIE [Internet]. 2023 Nov. 1 [cited 2025 Jun. 26];8(1). Available from: https://jurnal.stie-aas.ac.id/index.php/jie/article/view/11125