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. Semnas [Internet]. 2025 Dec. 29 [cited 2026 Jan. 19];4(1):364-81. Available from: https://jurnal.stieww.ac.id/index.php/semnas/article/view/1312