Pengaruh Usefulness, Perceived Risk Terhadap Niat Menggunakan Shopee Paylater Pada Mahasiswa Di Labuhanbatu. Jurnal Humaniora: Ilmu Ekonomi, Sosial, Bisnis Dan Hukum, [S. l.], v. 1, n. 1, p. 59–66, 2024. Disponível em: https://jurnalswarna.org/index.php/jhiesbh/article/view/33.. Acesso em: 24 oct. 2025.