“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”. 2025. Prosiding Dan Call Paper Widya Wiwaha 4 (1): 364-81. https://doi.org/10.32477/semnas.v4i1.1312.