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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. IJERSC [Internet]. 2025 Jun. 29 [cited 2026 Feb. 11];6(3):281-6. Available from: https://ijersc.org/index.php/go/article/view/981