FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN KONSUMEN E-COMMERCE MENGGUNAKAN DIGITAL ACCUMULATED BALANCE PAYMENT SYSTEM (PAY LATER). JURISMA : Jurnal Riset Bisnis & Manajemen, [S. l.], v. 12, n. 2, p. 196–206, 2022. DOI: 10.34010/jurisma.v12i2.4655. Disponível em: https://ojs.unikom.ac.id/index.php/jurisma/article/view/4655. Acesso em: 21 apr. 2025.