RIDO NARULOH; ARDIMAS ZAIN. THE EFFECT OF FINANCIAL LITERACY AND PAYLATER USE ON STUDENTS’ CONSUMER BEHAVIOR: A CASE STUDY OF STUDENT OF STIE SUTAATMADJA SUBANG. JBFI (Journal of Banking and Financial Innovation), [S. l.], v. 4, n. 02, 2025. Disponível em: https://ojs.stiesa.ac.id/index.php/jbfi/article/view/1511. Acesso em: 21 may. 2026.