MUHAMMAD ZAHWAN LATIF; UTOMO, Rio Guntur. Analysis of Factors Affecting the Use of Digital Paylater Transactions Using the Hedonic-Motivation System Adoption Model (HMSAM). International Journal on Information and Communication Technology (IJoICT), [S. l.], v. 10, n. 1, p. 28–40, 2024. DOI: 10.21108/ijoict.v10i1.896. Disponível em: https://socjs.telkomuniversity.ac.id/ojs/index.php/ijoict/article/view/896. Acesso em: 5 dec. 2024.