The Effects of Financial Literacy, Self-Efficacy, and Financial Stress on Risky Credit Behav-ior of Generation Z: Evidence from Pay Later Users

B Constansje, F Kurniasari… - … , Business and Economics, 2023 - scientificia.com
The utilization of pay later in Indonesia has increased significantly over the past year.
However, not all pay-later users are aware of the negative impact that comes with the …

The Effects of Financial Literacy, Self-Efficacy, and Financial Stress on Risky Credit Behav-ior of Generation Z: Evidence from Pay Later Users

B Constansje, F Kurniasari… - … , Business and Economics, 2023 - scientificia.com
The utilization of pay later in Indonesia has increased significantly over the past year.
However, not all pay-later users are aware of the negative impact that comes with the …