“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), pp. 364–381. doi:10.32477/semnas.v4i1.1312.