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. bf [Internet]. 2025 Nov. 13 [cited 2026 May 21];4(02). Available from: https://ojs.stiesa.ac.id/index.php/jbfi/article/view/1511