SAVITRI, Anisa Nur; SAFIQ, Muhamad; KUSUMASTATI, Widyahayu Warmmeswara. THE PAYMENT LATER SYSTEM, FINANCIAL LITERACY, HEDONISM, AND FEAR OF MISSING OUT TO CONSUMPTIVE BEHAVIOR GEN-Z. ACCRUALS (Accounting Research Journal of Sutaatmadja), [S. l.], v. 10, n. 01, 2026. DOI: 10.35310/accruals.v10i01.1650. Disponível em: https://ojs.stiesa.ac.id/index.php/accruals/article/view/1650. Acesso em: 27 apr. 2026.