Muhammad Zahwan Latif, and Rio Guntur Utomo. “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), vol. 10, no. 1, June 2024, pp. 28-40, doi:10.21108/ijoict.v10i1.896.