AN EXAMINATION OF THE FACTORS INFLUENCING THE UTILIZATION OF SPAYLATER: ANALYSIS OF THE IMPACT OF LIFESTYLE, PROMOTION, AND CONVENIENCE, AND THEIR RELATIONSHIP TO THE CONCEPT OF TRUST. Prosiding dan Call Paper Widya Wiwaha, [S. l.], v. 4, n. 1, p. 364–381, 2025. DOI: 10.32477/semnas.v4i1.1312. Disponível em: https://jurnal.stieww.ac.id/index.php/semnas/article/view/1312. Acesso em: 19 jan. 2026.