Tumanggor, Mutawaqil Bilah, Oki Prayogi, and Oppie Meisya Tanjung. 2026. “Perilaku Belanja Online Mahasiswa: Hubungan Antara Limit PayLater, Kepemilikan Akun E-Commerce, Dan Pengelolaan Keuangan”. CONFLUENCE: Journal of Business, Economics & Governance 1 (2): 137-51. https://doi.org/10.66249/confluence.v1i2.47.