OLIVIA, A. O.; ZUKHRI, N.; SAPUTRA, D. Determinants of Credit Default Among Generation Z Paylater Users in Pangkal Pinang City, Indonesia. Advances in Management & Financial Reporting, [S. l.], v. 4, n. 2, p. 418–431, 2026. DOI: 10.60079/amfr.v4i2.796. Disponível em: https://advancesinresearch.id/index.php/AMFR/article/view/796. Acesso em: 16 may. 2026.