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Savitri, A. N., Safiq, M., & Kusumastati, W. W. (2026). THE PAYMENT LATER SYSTEM, FINANCIAL LITERACY, HEDONISM, AND FEAR OF MISSING OUT TO CONSUMPTIVE BEHAVIOR GEN-Z. ACCRUALS (Accounting Research Journal of Sutaatmadja), 10(01). https://doi.org/10.35310/accruals.v10i01.1650