Cindy, V.D. et al. 2024. Analysis of Factors Affecting Generation Z’s Intention in Using Shopee PayLater. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM). 1, 1 (Feb. 2024), 420–439. DOI:https://doi.org/10.21009/ISC-BEAM.011.29.