REFSI, F.; MUKTI SOMA, A. . The Influence Of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, And Financial Literacy On Use Behavior Of Buy Now Pay Later Services With Behavior Intention As A Mediating Variable Among Generation Z In The Bandung Raya Area. International Journal of Educational Research & Social Sciences , [S. l.], v. 6, n. 3, p. 281–286, 2025. DOI: 10.51601/ijersc.v6i2.981. Disponível em: https://ijersc.org/index.php/go/article/view/981. Acesso em: 27 jul. 2025.