Koten, R. S., Palaka, O. K., Purwanti, R. N., & Anita Permatasari, A. P. (2024). IMPACT OF INCOME, LIFESTYLE, AND BUSINESS MOTIVATION ON SURABAYA STUDENTS’ USE OF PAYLATER. International Conference of Business and Social Sciences, 3(1), 644–651. https://doi.org/10.24034/icobuss.v3i1.430