Nurhidayah, N., S. Muchlis, and N. Bin Sapa. “The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z With Religiosity As a Moderating Variable (A Study on UIN Alauddin Makassar Students)”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 8, no. 3, Aug. 2025, pp. 9883-94, doi:10.31538/iijse.v8i3.7806.