CONSUMER BEHAVIOR TOWARD PAYLATER SERVICES IN INDONESIA: A PUBLIC-DATA ANALYSIS THROUGH THE LENS OF LOAN SELF-CONTROL THEORY. World Journal of Multidisciplinary Studies, [S. l.], v. 3, n. 9, p. 34–39, 2026. DOI: 10.65336/WJMS.2026.3903. Disponível em: https://wasrpublication.com/index.php/wjms/article/view/496. Acesso em: 6 nov. 2026.