Iqmaya, Adevia Sekar, Renny Wulandari, and Risal. 2026. “DETERMINANTS OF PAYLATER USERS’ FINANCIAL MANAGEMENT BEHAVIOR: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY”. Assets : Jurnal Ekonomi, Manajemen Dan Akuntansi 16 (1):78-96. https://doi.org/10.24252/assets.v16i1.66729.