Veneya, K. et al. 2025. The influence of financial literacy, financial attitude, and lifestyle on financial management behavior in paylater usage among generation Z: The moderating role of locus of control. Edelweiss Applied Science and Technology. 9, 8 (Aug. 2025), 95–112. DOI:https://doi.org/10.55214/2576-8484.v9i8.9223.