Yuneline, Mirza Hedismarlina, and Elvita Fujiyama Ruchiyat. “Socio-Economic Impact of Digital Credit Accessibility: A Quantitative Analysis of Shopee Paylater Adoption and Consumptive Behavior ”. Husnayain Business Review 6, no. 1 (May 4, 2026): 120–134. Accessed May 7, 2026. https://journal.adpebi.com/index.php/hbr/article/view/1766.