“Analisis Faktor Adopsi Paylater Dengan Model Unified Theory of Acceptance and Use of Technology 2: Analysis of Factors Influencing Paylater Adoption Using the Unified Theory of Acceptance and Use of Technology 2 Model”, JKUBS, vol. 5, no. 1, pp. 102–118, Apr. 2026, doi: 10.24260/jkubs.v5i1.5590.