DANIEL; PEBRIANTI , W.; SYAHPUTRI , A.; WENDY; MUSTIKA , U. N. Beyond Financial Literacy: Impulsive Traits and Lifestyle as Drivers of Buy Now, Pay Later Usage among Generation Z . Journal of Educational Management Research , [S. l.], v. 5, n. 5, p. 5820–5836, 2026. DOI: 10.61987/jemr.v5i5.3069. Disponível em: https://serambi.org/index.php/jemr/article/view/3069. Acesso em: 26 oct. 2026.