Cahyani, Mutiara, and Siti Jamilah. “Analysis of the Effect of Clarity, Efficiency, Accuracy, Stimulation, and Novelty on the Attraction of Using PayLater Services”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 8, no. 1 (August 4, 2025): 9012-9025. Accessed May 30, 2026. https://e-journal.uac.ac.id/index.php/iijse/article/view/7516.