IQMAYA, Adevia Sekar; WULANDARI, Renny; RISAL. DETERMINANTS OF PAYLATER USERS’ FINANCIAL MANAGEMENT BEHAVIOR: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY. Assets : Jurnal Ekonomi, Manajemen dan Akuntansi, [S. l.], v. 16, n. 1, p. 78–96, 2026. DOI: 10.24252/assets.v16i1.66729. Disponível em: https://journal.uin-alauddin.ac.id/index.php/assets/article/view/66729. Acesso em: 8 oct. 2026.